Hi BP,I haven't conducted my first deal yet but, I am looking for ways to increase my monthly cash flow and reduce my Income to Debt Ratio.

The additional advantage to you is the agent will act as a fiduciary to you (if you sign an exclusive right to buy) and the agent will be an expert in the local market and be able to confirm what the property should be valued at by conducting a Competitive Market Analysis (CMA) which is similar to an appraisal.If you want to be seen as a serious buyer to the seller and to the buyers agent get pre-approved for the loan now.

Instead of going in and asking for their business you should conduct the interview as to why they should lend to you. 

I was just curious is she helping you set up a partship or conduct the transaction? 

Frederick County's tax sale was conducted a couple months ago the next one won't be until next year.

They tend to only stay about 10 months at a time, leaving you regular turnover (I always require a parental co signer to add accountability for both the rent as well as general conduct).

Realtors owe a duty and loyalty to thier clients or customers, it's only ethical conduct for those being assisted to show thier respect.

The lender will use this data to conduct an analysis of how much money needs to be stashed in an account to replace the stuff that the lender thinks that you will have to replace during the life of the loan.

I find the combination of the formal application w/ credit and background checks along with an application fee weeds out the price shoppers and many of the problem tenants before we invest any effort in qualify them.

Example, home has a FMV of $100k and the Seller conducts a sale at $120k with a minimal down payment.