It’s as if you went to law school graduating at the top of your class and then first day going into court as lead defense for a murder trial, you would lose because you are out the experience and field knowledge.Also, the big item that I mention above is lawsuit and loss of money.

You can either send a letter, a postcard, or a variation of both over time.

Smartdraw has a free trial period and I believe HomeStyler is free.

If you want I can send you a link for a free trial.

There is no appellate decision on this, but there is a federal trial court summary judgment entered in a case in Mobile within the last year, on a case involving FHA and Wells Fargo.

Now there are probably smaller banks or credit unions that may be willing to do 10% down, 90% value loan, or other piggy back variations if you are trying to avoid PMI but keep a lower down payment.

Buildium has a free trial of some sort.

Try zip code, also just go to Google and start typing some phrases in related to your KW and see what pops up....try different variations of words starting with a, then b, then just go through the entire alphabet.  

I've seen a few folks buying in larger cities with variations on the word subsidy.  

I have downloaded the 30 day free trial and the software itself seems user friendly.