I bow down before you!

Not all cases but lenders have a chip on their shoulder because you don't fit into a little box with a pretty bow for them.I often think it's comical when a lender see more strength in a Wal-Mart worker pulling down 10 bucks an hour than a business owner making huge bank with cash enough to pay the mortgage for years.

The remaining unused funds becomes your "Seed Money", and moves into...Level #2 - Compound your "Seed Money".  

If you're able to save a good chunk of cash each year, keep the retirement savings going and take advantage of that compound effect.  

That will get you to where you want to be.Read the Compound Effect.  

They can also offer less stringent qualifying criteria and down payment allowances.That doesn't mean the seller must or should bow to a buyer's every whim.

If this were the case, then you'd need to see if/how the interest is compounded to know exactly how much would be paid back.  

Skim over plaster means to put a coat of drywall "mud" or compound over all the walls to smooth out any old crappy plaster texture and repaint

Would allow you to reinvest your capital to get a 100% compounded ROI in 12 monthsWhat would you do?  

They allow their anger to fuel their inaction, which is completely irrational, but happens all the time as well.Like any major life stressor, it compounds until the person has run out of time, and it is too late to do anything about it.Sometimes when a Seller is approached with a low offer, it only fuels their rage against the process.