I just keep hearing people say that the age of the roof is important when you buy a house because you're going to have to replace it sometime. 

I am a very driven individual having gone to a collegiate high school where I earned my Associates degree by age 18.

I think people who've been doing this a long time look for 12-15%.I would suggest paying close attention to the inspection, especially with the big ticket items that Brandon talks about in that webinar I mentioned in the last post.

 A lot of banks go to 95% like Navy Federal or penfed and various other CU's.TCF like Paul mentioned is not a fixed or closed end second like you said you were looking for its a HELOC which is considered an open ended loan since its a line of credit and can be used, paid down, and reused/ "open."

I must mention we live in a very competitive market, especially in the price range of this home.

He hit on a lot of points that we have all mentioned, but I've never seen it summarized quite as well.  

However, as you mentioned, there are lots of differences across markets that you should probably turn to other sources for if the UK is your target region. 

Congrats Account Closed mentioned. 

I spoke with an investor last week that mentioned he had a very hard (and costly) time trying to do this.

Some of the information mentioned above about SEO is incorrect for this industry.