Do investors often negotiate this cost down for purchases like this where the agent played a small part in the process?  

So pretty much I'm playing the role as there bird dog.

@Daniel SistoThere are a lot of factors that come into play here when you are looking at the refinance lending options.

Karen,I did play with the new "experience" section.  

The inventory that most street level folks are playing with just aren't the same assets and those piggybacks are fleeting in their market share.

I think you need some more reading before you try playing the game 

@Carlos FernandezWe do not play-up the solar thermal SHW in our advertising.  

I submit that @Steve Vaughan is absolutely correct this is a very very dangerous play for the average person who has not demonstrated any ability to save money.. you just bury yourself in debt and if your deals don't go well... ( See many storied of first timers losing money) now your really Fubared ... you lost money and you have a mountain of CC debt which will absolutely hammer your once pristine FICO.Now if you have an AMEX black card with no limit or Very high limit say 200 to 500k well then go for it.

Only one side of the duplex is currently rented out, and to a Section 8 tenant playing a mere 800 per month.

I see a lot of Northern CA moving labor intensive operations to Reno rather than AZ or Texas.