@Andrew AssmanIt's a false assumption that not having agents involved somehow gets you a discount.Your closing costs as a buyer has nothing to do with agents.

You can only dispute if the debt is incorrect or false, which doesn't sound like the case here.  

It is only to disclose the potential conflict (up front) that you, as an agent, may gain extra knowledge about a seller's position under false pretenses.

Sometimes an outlier property can curve the averages and create a false sense of your ARV.

The latter is simply absurd nonsense. 

Giving false information or not disclosing pertinent facts in connection with a loan can be mortgage or bank fraud and you do not have to actually cause a financial loss, simply an attempt can give you a very hard time. 

I was just giving my perspective on the reality of the Denver market, not giving false hopes to others wanting to get into this market.  

Taking cash out of the rent each month accomplished nothing practical, but it will give you a potential false negative on a property that convinces you NOT to buy a property you probably should have.Criteria: to buy property is at least $300/month NCFHere's the math on one of my typical properties:1000       Rent  275       Tax/Insurance  100       Property Manager  300       Mortgage Payment on REFI  300       NCF/M...I buy the property-100       10% for Capex, reserves, vacancy, etc...  200       New NCF/M...I don't buy the property, but I should haveYes, I still have to cover the Capex, vacancy, etc...., but what good will taking out 10% a month (100 = 1200/year) do for me?  

If you are worried about a false asbestos report, hire a testing firm, not a firm that does testing AND removal.  

You've been very helpful.I was being quoted 4.5% for a Fannie Mae on a four unit, which sounded absurdly high.