My take has always been that if someone is willing to cheat or bend the rules on one aspect of their dealings the question I ask is what other areas of business are they willing or even motivated to cheat at?

I now have my 3rd, also an FHA loan on a sfh in Bend, Oregon, but I no longer live in it and I am renting it out as my job promotion has taken me to Eugene, Oregon.

(do 1 warmup set for each exercise, with no weight)Workout B3x5 Squats3x5 Standing Military Press (seated is ok, if needed)3x5 Bent Rows (bend at hips, head up, row to your mid chest)2x8 chin-ups (first set front grip, second reverse grip. do jump chinups in the beginning, if needed. jump up, then pullup, using your momentum.)Abs - 2 sets, both until failure, 3 minutes rest between the two.No concentrated arm workouts are needed. dips, chins, benching takes care of it.

This is just like when that same son or daughter wants to buy their first car on credit and the bank (or your child with bended knee and hat in hand) asks you to co-sign.Second, unfortunately there is not a real line – the line moves depending on whom you ask.

If you are kind to the staff they will bend over backwards to provide you with the blanks; in fact some Counties offer them online to print out.

If a property is new or in a great area I might bend my rule and go up. 

I have called around, everyone I have found around South Bend is out 2 weeks on a quote and over a month on any work.

@Scott Trench  When bending over, I just ask for vaseline....Seriously it drives me crazy, we are young , healthy,  pay a fortune in premiums.  

And, with my “lucky” 13th offer, I landed UG1.For those who would rather read, some stats on UG1: Located in the Walnut Bend subdivision in Briar ForestOne story, four bedrooms, two baths, 2,187 SQFTBuying price: $275,000.00Rehab budget: $75,000.00New Listing Price: $424,900.00Timeline: 10 weeksThe house is what I like to call a “Grandma special.”

We work with a few institutional developers building in Walla Walla, Tri Cities, Boise ID, Bend OR etc. and frequently get called on to help out with this sort of thing.