The subject to option might be slightly more appealing, but again the payment of roughly 1300/month probably won't look too appealing.If you can't sell in the 165K range, you might try doing a loan modification where you put in a cash and get a greater principal reduction.  

The very first sentence in the wikipedia link that you gave refers to the CIS as an organization that advocates immigration reduction.

In each instance the heat pump has displaced either electric resistance heat (baseboard or forced air) or natural gas fired forced air and in each instance there has been a significant reduction in annual heating and cooling costs.  

Without significant repeal of the Obama tax and regulatory policies and changes in the entitlement programs and overall reduction in government expenditures, the current spending proposals and impact of the trillions needed for ObamaCare, Social Security, and Medicare and interest payments will result in the debt-to-GDP ratio exceeding 100% by 2019.

A 401k is a reduction against your earned income, so it's tailored more toward Self Employment income.  

Do a stress test to see how much of a reduction in benefits you can absorb.I have heard of special lending programs and maybe even some tax benefits, but would need to research more to validate them.

Update: After asking for a price reduction they told us $95.

"What I really love about this property is the extra half car garage" (knowing the other 2 don't have that).If the price is off make the adjustment now, market it too (20K Price reduction!).

For investment property I've seen it as low as 20%, but I've heard theres quite a reduction in rates/fees/discount points at 25% down.

I think quite the contrary, if someone offered a high price but did not close or try to look for reductions through inspection, that hurts way more reputation than someone sent in a low offer.