Worst case scenario, you can also offer to pay half of their closing costs in order to incentivize them to accept your offer, as well.

Pick a great community and buy the worst house and BRRRR.  

They are the absolute worst of the worst and could not get some of our accounts accurate and refused to make it right.

Worst case try pleading ignorance and ask them to rescind the increase now that you understand the situation and you will be sure to do whatever it is they are wanting.  

You do the most damage with the least exertion, beautiful, ....yeah Elevate owns some of the worst properties in the worst parts of town here in Houston.

It's a perfect example of how the most attractive applicant can be the worst choice.

The reason being is they can quote you a low rate (too good to be true usually) and then half way through the process or even worst at closing the rate is subject to what it is that day and then they excuse themselves because the borrower never asked for a rate lock or were never aware of what a rate lock is.If you have any more questions I am happy to help.

@Nicholas J MineoAs far as the ADU, I was considering that myself but if I do that my SFH is now considered a 2 unit and subject to rent control - San Francisco, Berkeley and Oakland are the worst with regulations. 

Paying a Contr to do everything sucks up a lot of $$...Personally I would buy the worst house in a run-down area of a nice city that is getting ready to gentrify.

Investors see headlines in the WSJ or Bloomberg talking about syndications loosing money and investors having significant parts of their retirements wiped out and more news that most of the short term debts mentioned above are expiring end of this year and early next, making it seem like the worst has not yet come.3.