That may get you a counter offer.Still, you could submit the $195K bid first and, if rejected, come back at $200K, then $210K, then ...Just a thought ...

They are set up to reject the losers without our hearts getting in the way......just a suggestion.  

I submitted a low-ball offer that FNMA rejected.

If you automatically reject pets, you automatically lose half your audience.Instead of flat-out rejection, try to find a way to mitigate the risk and even make more money.By accepting pets, you set yourself apart from other Landlords and open your property to a wider audience.Tenants with pets tend to stay longer because they know how hard it is to find a pet-friendly rental.Tenants with pets tend to pay more.Most pet owners are good, responsible people that will take care of their animal just like they take care of their children, their cars, and their personal hygiene.We screen pets using petscreening.com and I highly recommend you look into it.

It is not a real deal until closing.If you are considering this PA, I would ask for a NON-REFUNDABLE $5000 deposit, regardless of financing being rejected on closing day or any other scenario. 

Unless there has been something recently has happen to the property with most lenders a 90% offer will be rejected.

That seems like the best solution to me because there's really very few reasons for people to own guns (especially cops who basically have a license to kill) and a ton of reasons to outlaw them.Actually, you do not need to be a psychiatrist or mental health professional to say something, you are not saying the someone is menatlly unstable, you need to tell them facts;The guy has had a recent drastic change in personality, he has not contacted those friends he use to run around with and has been avoiding people, he angers quickly over small things, he is complaining that the government is the reason for some personal failure or blaming others for his current position, he has been drinking heavily which is not his usual way, talks about being rejected by others......None of this will prove that someone is violent or that they have some serious mental issue, but together are indications of a ticking time bomb.

I've put in 2 offers, (1st at $48K, 2nd @ $61K) both were rejected as too low and I was told that they would now "close my file".

Only the moment you reject all help are you freed.

I work from the perspective that every person is going to reject me, so I just expect it, so it's not big deal, and when I get a positive response, then it's a high point.