Is this a fair price for snow removal?

The customer service side for owners is fairly lax. 

I think they used to go up to like 80-85% CLTV depending on credit score.

.: Quote from @V.G Jason: Not really a fair question.The reason most people could invest in 2010-2020 was because of that (outlier) environment.

As far as looking out for those deals, I'm fairly young and majority of my sphere do not own homes, or are dealing with a lot of the things you mentioned, but agreed they are all great resources.

It has a fairly solid workflow. 

The appraiser is there to determine fair cash value.

Is it fairly priced for the size, location, quality, and other factors?

Avoid PMI and then go to a local credit union and get a heloc after closing to gift the money back.Have this as a tool in your tool belt but pursue use of the 3.5% FHA, knowing that you will be at a competitive disadvantage if you are competing with non FHA buyers, then you can call in the favor from your gift person.Just know that if someone gifts you down payment money, your bank will require them to sign a letter stating that it is in fact a gift that doesn’t need to be paid back.

I have the credit, experience and the knowledge on how to underwrite the deal to show their ROI in this arrangement vs a traditional sale.