I wanted to let them know I appreciated things like tightening the screws on a loose hinge or cleaning out a hair clog from the bathtub. 

They took a chance tighten their budget, and then happily after.  

. $550 out of pocket as an isolated incident is a small price to pay to tighten up the back end processes.

They tightened up after the financial crisis and have been loosening up since then.

I expect you will see companies tightening their guidelines in TX and other coastal states such as SC.

@Robert F strain, Thanks for your reply.  

Yes, people are forgetting that lending is going to tighten up and credit is going to drop.

I spoke with a loan officer today and she had mentioned how the Federal Housing Authority was tightening up the requirements on FHA loans.

If you have friends or family in a better investing location and they don't mind helping you out a bit, that can take some of the strain out of the finances.

Didn't read all of it.Business brokerage is only the business.When you have a building you own and the business the value is different than buying just a business with the lease structure and rent increases.The appraiser will value it as if a lender had to take the property back the bank is NOT going to manage it themselves.A small percentage of buyers might but not a majority.So the bank underwriting the loan is going to plan for the most probable set of circumstances and be on the safe side with their assessments.If you want to do some owner finance with money down to replace your income with a cash out at a later date that might be possible.Many deals are happening that way.Lending standards on businesses have tightened up leading to owner finance and this is also with real estate property as well.Not many want to put down the cash or meet the requirements the banks are dishing out.So I hear your arguments but the people lending the money for the buyer will not care.If you want higher money go owner finance (within reason) but if you want it all now expect a much lower price.With businesses it comes down to how old the equipment is,is the business seasonal (the owner is showing strong books for half the current year and then sales plummet),is the lease fixing to rise,are the streets fixing to be reconfigured to reduce traffic flow,is nearby new businesses reducing returns,etc.