Also you are on the right track with deal structuring - such as Options, Assignments,Seller Financing, Deferred Settlement and Installments.

After settlement we did the routine home inspection and found that the previous owner did not keep the places up much and it surprised me that people were still willing to live in these homes even though they did not appear safe (after actually being inside them). 

Bill keep this thread in your history I will send you the settlement statements so you know people actually do what they say. 

Closing at a higher price and kicking back undisclosed credits is fraud, fraud, fraud, from settlements, to taxes!

One phone call may be enough to motivate your PM to negotiate some sort of settlement just to avoid an investigation.

@Ryan Pozzi - sometimes, depending on the deal, and especially the size of the deal (single family vs multi family) you can make a cash offer and in the amount of time it takes to get to settlement, close with lender financing. 

Everything was perfect I started picking out furniture and paint and 2 weeks before settlement the underwriter said” she felt I didn’t deserve the credit score that I had” and would not sign off on the loan.

So, another question, to get a settlement in court from her, do i need to pay a professional to clean or can i do it myself and buy the tools and she can reimburse me? 

Thats about a year of my net cashflowanyway i have a few questions to ask him.. i see a $3750  charge for points which him and i never spoke about... let me know if i have something i can negotiate or should i find a different mortage lenderPURCHASE PRICE: $250,000LOAN AMOUNT: $187,500INTEREST RATE: 7.990%APR: *8.370%TERM (MOS):360PAYMENT :**$1,895.50CASH TO CLOSE: $75,447.42250K PRICE 2 UNIT HOME INVESTMENTDOWN PMT/EQUITY: $62,500.00 LOAN TO VALUE: 75.000%APR COSTS: $2,819.67NON-APR COSTS: $2,647.75POINTS: $3,750.00UFMIP/FF/GF/SP: $0.00PREPAIDS: $3,730.00CONTRIBUTIONS: $0.00EARNEST MONEY :$0.00CASH TO CLOSE: $75,447.42FEE DETAILHazard Insurance Reserves: $250 Hazard Insurance Premium: $1,500 Taxes Reserves: $1,980 Application Fee: $1,280 Points: $0 Appraisal Fee: $675 Credit Report: $37 Flood Certification Fee: $8 Tax Service Fee: $68 Title-Courier/Exp Mail Fee: $80 Closing Protection Letter: $75Electronic Document Delivery: $25 Title Endorsement: $100 Title Examination: $100 Title-Lender Title Insurance: $843.75 Title-Settlement/Closing Fee: $625 Recording Fees: $470 Buyer's Attorney: $1 Title - NJ Tideland: $20 Title - NJ Upper Court: $13 Title - Notary Fee: $25 Title - Notice of Settlement: $40 Title - Recording Service: $10 Title - Search : $13 Title - Tax Search: $35 Title - Transaction Management: $35Title Abstract : $175 Title Bankruptcies: $13 Title Municipal Search: $55 Title Wire Transfer: $30

This denial is accurate and factual, unless, of course you believe that the utility company for the location in question is also engaging in some sort of cover up or conspiracy to prevent you from receiving a settlement?