Or is that something that occurs after offers are made/countered/accepted?  

Some envy and jealousy did also occur with some employees.

Since the change in ownership doesn't actually occur during the lease time, these agreements do not violate due-on-sale clauses.There are many things to think about when considering owner financing, particularly if the home is already mortgaged, to make sure that both buyer and seller are protected and acting legally."

Being a naive first time home-buyer, I accidentally prequalified for the VA loan which I was unaware has an expiration (and I thought the credit hit would occur later after I've filed more paperwork).

There's no harm in calling it a bedroom, but I'd be extremely upfront about it otherwise it's just misleading as you said.I did a quick google search and seems like most sites say min size is 70 SF.Here is a blog from @Mark Ainley company GC.   

The EMD return must be tied to a specific contingency not occurring.  

[URL unfurl="true"]https://www.governor.wa.gov/ne... as provided in this paragraph, landlords, property owners, and property managers are prohibited from treating any unpaid rent or other charges related to a dwelling or parcel of land occupied as a dwelling as an enforceable debt or obligation that is owing or collectable, where such non-payment was as a result of the COVID-19 outbreak and occurred on or after February 29, 2020, and during the State of Emergency proclaimed in all counties in Washington State.

@Victoria Pham it will get a little worse before it gets better but it would all be based on that Vaccine when the turn around will occur.

In general, title insurance operates retrospectively, that is, it indemnifies against actual loss caused by things that occurred prior to you taking title. 

If the damage or loss occurred because of the tenant's own doing then they can be responsible to pay the typical $500 deductible.