This looks like you will need 85% LTV on this loan because its an Identity of Interest Transaction http://portal.hud.gov/hudportal/documents/huddoc?

I have a client that seem identical to you.

Due to privacy laws, we cannot divulge the resident’s identity or apartment location but we feel it is important to keep you informed.

What if I had identical model match homes of equal size but one needed a new roof, new HVAC, and had major plumbing issues while the other one just needed kitchen and bath upgrades, paint, and flooring?

But this area hasn't really found it's identity yet like Charlotte or Raleigh Durham.  

Make your offer directly to the sellers agent.Two people bring identical offers, one has a buyer's agent and one doesn't, which offer wins?

First practicalityZirconia and diamonds look identical.

Please start an LLC, because when you close a deal under your name the IRS will tax you crazy and the LLC protects your identity and gives you credibility. 

The larger fallacy is that people assume post-next-correction (next week or 5 year from now) that interest rates, access to capital, loan requirements, etc. will all be identical to where they are today.  

It isn't identical with Chicago, so there may still be room for some owners to do security deposits.