Marie Poe requested.

Since the seller, according to your comments, is not wiling to a) participate in sharing the closing costs and b) unwilling to negotiate the price and c) wanting a bloody fortune as a finance charge, I recommend you look elsewhere for a home to purchase.

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Hi Mary,Considering the brevity of my career in RE, here in NY, I'm not sure that I'm the best person to answer your question.

@Mary Denby that’s interesting.

@Mary Jay Yes to everything.

It will be bloody expensive and dangerous.#3b Get a small old home in those hot cities, it will be even more expensive but it doesn't have HOA#4  Find a city where a SFH makes sense, ideally avoid the condos unless I see something that makes sense. 

@Mary Mitchell oh gee, I dont know, some folks are crazy!  

The mining companies screamed bloody murder.

This is not a reduced relative clause, as in, "I know a man with a wooden leg named Smith." from Mary Poppins fame.