PenFed only offers a max LTV of 80% on condos, and I couldn't move forward with SDFCU because they weren't able to verify my identity online after multiple tries even though every other lender was able to (they told me the workaround is to go to one of their branches in Virginia, which I can't do).Thanks in advance for your help!

--- I noticed you ran a credit check (I hope you didnt just take a credit report some one just handed you) on the 2nd roommate so to some degree that person is real, but how about identity theft.

The measure the mayor put forward was nearly identical to the one that nearly passed in December before Alvarez, one of the original authors of the December measure, torpedoed it.

ha, I was at the same meeting.I don't know anything about him except what I've googled, but the thing that was funny to me was that his presentation was almost identical to one I attended in Baltimore a few months ago, called "Winning the Property Wars", which was supposedly run, but not attended, by a guy from that Property Wars TV show.

wait a minute"...I held it up to his first book, and turned the pages....it was almost the IDENTICAL BOOK AS THE FIRST!!!!

Amazing that another almost identical thread is here, from just yesterday:http://www.biggerpockets.com/forums/61/topics/75799-leveraging-credit-cards

I would want identical contracts, unless you can make your second contract more friendly to you.

Trying "just finished a Carleton Sheets home study course" turns up 6590 hits on web sites that are essentially identical to this one.

One of the terms in this addendum states:"The parties agree that this short sale transaction will not constitute appraisal fraud, flipping, identity theft and/or straw buying".

A very important step to take prior to ownership is to have a statement of identity ran on yourself to confirm in advance you have salable title and no personal liens that will attach to a real piece of property.