Owner: $196k is the lowest we are prepared to go now.....just put on market and getting slot of interest.Me: Oh ok, ...... you recently went to a realtor am I correct.?

Just call her back or email her if you have an email address and either ask her when is a good time to come over or tell her your available with a few time slots and ask her to pick from your available time slots.

It sounds like he got a job cancelled and is fitting you in to a cancelled slot at a discount.

I pick a time slot on Saturday or Sunday and tell everyone the same time. 

Do you need to dig into the HOA's finances and find out how much went into insurance, how much went into utilities, repairs, maintenance, improvements, then spread that across the number of owners in order to figure out how much of your $300 per month went where, and roll each items back into their respective "slots" to see if they can be counted towards the three safe harbors? 

By doing this, you will open up 1-2 slots available for Fannie Mae purchases going forward.

Drawers are not much harder, though you may need a router to route the slot back in to the bottom piece of wood.

Do you have a mail slot that they can drop it through?

It like a reverse mortgage and putting all the money into the lottery or slots.  

I'm kind of after some specific advice, though.Because of Biggerpockets' extensive sign-in survey, I really expected that I'd be slotted into an Arizona (or even Pima County) RE forum.