Bergen is definitely very hot.The bottom line is you need to reduce the price if you've been sitting for 4 months.

I would not pour time and energy into someone of lesser quality, particularly when you are just starting out.

To reduce capital gains?

In doing so, they have reduced their mortgage each month, reduced the down payment, save on total interest paid, and several other payments also.

@Paul O'ConnorGet other flood insurance quotes.Borrow less until the payments are reduced enough to get back to positive cash-flow or buy a lower interest rate or combination of both.Raise the rents.A different lender won't get you out of flood insurance.

Tax value is intentionally below market, so they reduce the risk of owners disputing tax value.

Reduce that list to the ones in your desired area(s) - then drive those areas to view ALL of them.

Having a tenant reducing your monthly payments will allow you to save even faster.

The government has a problem trying to reduce hardships for everyone by printing more money and giving more entitlements. 

At that time, unemployment was quite high, reducing available tenant pool and reducing demand.