I owe $135k on the home which sadly given the lack of appreciation (I bought it in 2008) the same amount I could likely sell it for.

Sadly I have been PCS'ed outside of Kentucky.

If you get sad you cry.When you are in distressed you try to find a solution.

I feel this is a sad commentary of HGTV and how they are portrayed.

Sad but I feel taken advantage of by my realtor (since being a professional he should have known better than to write an offer up to close in 39 days), the seller and this lender (who kept using bait and switch as they for the past month kept saying they need this document, then several days later now they need this document, instead of requesting everything at once).

Typically and sadly no.  

Sadly they only lend in the pacific NW last time I checked.

Very sad,

It's sad because most landlords are just small scale investors like the ones here who are trying to make payments from mortgage, insurance, repairs, cap expenses etc. 

I am sad she has since retired and moved to Florida.