The time I would have wasted emailing, calling ect was enough but the aggravation and wasted energy of letting my blood pressure rise talking to those people was enough for me to just move on to bigger and better.

Keeps the blood pressure down and you get a "look what I made" sense of accomplishment.

Is the co-borrower a blood relative?

You can't get blood from a turnip!!!

yes. you get a copy of it and you can do whatever you want. but most of the time it will just sit in your files while the next lender does their own appraisal.that whole aspect of RE is so wacked, dont even get me started. how can they accurately assess the property if they ALREADY know the signed purchase agreement if beyond me. gets my blood boiling..

:) Always good to have new blood (and opinions and experience).

My uncle is a carpenter, my aunt a real estate agent, so all this stuff is pretty much in our blood.

It didn't draw blood but really scared me as I am sure it could have been worse. 

Big net earnings for years.all of that gets me 1 point and 6.5 in Oregon ( might be able to get 6 but I have 6 to 8 million out with them so I am not going to argue LOL)  and in Charleston I get 1 and 5.5%  one million line of credit there.that's as good as it gets from someone as you said that is not blood kin.. or fell of the turnip truck and struck their head.

Can you get a duplex (or 3-4plex) using a FHA loan with 3.5% WITH a non-occupying cosigner, such as a blood relative?