The best product they could offer me was a 5/5 ARM.

Pouring a liquid down the drain line doesn't really do much especially if the lines are clogged or blocked.. after snaking the lines try to use a product that will foam up and fill up the lines.... there's home remedies and store products that you can buy that will work.Lights flickering could be as simple as tightening the light in the socket.

I'm no expert on borrowing, but maybe look into a different product like Fannie Home Ready or conventional with 2% more down.I became a seller-financing master because of what you're facing.

Check with your agent but he sold us a product through a company called FOREMOST. 

Leave the basics. do a detailed inventory for your stuff like an excel sheet with # and condition ( no scratches, stains, burns).

How is it that standing behind your word and product with other assets and corporate backing is worse than a shell promoter just closing up shop on a failed SPE after you lose all your money?

Not sure how my business is going to go this year but assuming I have $2k month self employment income, no debt, $50k cash reserve, and an excellent credit score...What is the likelihood that I will qualify for a mortgage?   

@Blake Gansborg,My favorite non-text book about real estate finance is: What Every Real Estate Investor Needs to Know About Cash Flow by Frank GallinelliI does an excellent job of breaking down different financial metrics and giving good examples.

Generally if you have to fix up a product after you buy it but before it's available to be put to use you would capitalize those items.

there is nothing the other can or can not do.A Direct writing agent, who represents a single company, and per their contract cannot sell other insurance carrier products, may be giving a bias very point.Just find an independent Broker/Agent and you can get access to multiple insurance options.