It's simple risk/reward economies of scale that the big guys will be willing to gamble their 100K at lower rates/points. 

That is, they were making gazillions with a simple bet on the property market and it did not pay off in the end - maybe they just got greedy but it was not their money they were gambling with - it belonged to the community, the people.

:D Well, I guess I'm not actually coming to see you, but I will be in the same town.Thank you, Are you coming to Las Vegas for business or for gambling/ I have a friend who finds you the best day to gamble, she is really good!

Google the term "can spam act" it will give you all the information you need about email spam.

Having such a system can reduce some of the risks and make it less of a gambling venture.  4.

Things may change to make these requirements easier, but I would not gamble on that.So then you are left with cash buyers or high down payment buyers....those tend to be investors, who typically don't like condos....and then you still run into the problem of financing for owner occupants.If this is your first deal I applaud you for thinking outside the box. 

But many times they dont have a search or survey and you may have to gamble a little by paying for a search up front only to find a bunch of leins.

Of course you cant spam up their servers when you get back in.Unless you can post on another IP easily.

But I am in NY so 500-1000 dollars is really not going to earnestly buy me anything, except maybe being laughed at by a banker5000 could maybe be a consideration on a low to mid property but I don't want to gamble that my first deal will be perfect...

I don't have enough money to speculate (gamble) with real estate.