Walk a mile in their shoes.....This business does 2 things after a long period of time. 

Stayed very cozy the whole time, even though I was less than a mile away from a ski resort. 

If I only make about $40k now with 9% DTI and $6000 saved right now, how likely is it to reach say half of that? 

A dealer from 60 miles away brought the car to me and had the reduced rate just to the dealers closer to me wouldn't get a sale. 

In my location this is not common as most low income people can't afford the 100K to 120K house and if they wanted to move into another location they would have to travel at least 25 miles out.

They do the shopping for you and the price was more than half of my previous policy with the same coverage.

Originally posted by @Chris Seveney:@An LamI always send someone and what I tell them is the truth, I typically send people by when we buy distressed mortgages and have them say we are a lender inspecting the propertymy Daddy taught me that real estate was belly to belly.. of course this was pre internet pre fax and we were still using carbon paper which I am sure half of BP does not know what that is.but if the folks are there that's a win.. 

@Lucas Miller  I'm working to join a group currently and they told me that I need to fundraise half the capital required so I know they have an attorney. 

As someone who used to work in my dad's construction business in NY I can tell you that when you have three layers of roofing and a foot an half of snow sitting for weeks on a roof on an older house, weight can become a big problem. 

If I was spending half that and making $20k I'd entertain it, but spending over $200k I'd expect $50k+