Say you do not care where the money comes from--buyer, relator or if you are paying some closing costs to the buyer, reducing those.Then in the same conversation tell the realtor that you want to start taking back up offers and to please change the MLS listing accordingly and put the property on the websites as taking back up offers, not as pending.

Now, of course, there is a ton of uncertainty about everything.I'm still considering the refinance, but if I do it at all, I'll be reducing the total loan amount from what I was considering.

On the conservative side of my original post, if I reduced my expenses by $700/mo by buying down the loan $20k, in three years, that’s $25k to the good from reduced expenses.

I think test anxiety is a legitimate reason that some people don't go ahead and get a license.2.

Do you think the seller would be understanding of the buyer having busy contractors and the possibility of that reducing the chances of getting the contract signed?

Are there opportunities to reduce expenses? 

My goal is to try to minimize locations while keeping a 10-12 percent CoC return in the San Antonio area.More generally though, I've been looking at going into multi-family housing more as, again, it would reduce the amount of locations I have to manage, at least in the short-medium term.

So it's harder to get loans approved and some banks are asking for reduced LTV's, at least from what I've heard.

You must reduce the basis of property by the depreciation allowed or allowable, whichever is greater.

The trend indicates a minimum of 10 to 20 % drop in home prices as sellers reduce home prices due to lack of Buyers.