I've got a few houses on the table, and some realtors from my area have contacted me about my site.

No one ever takes into consideration who actually brings the money to the table.

Like a buyer's agent being able to accept bonuses 'under the table' (where the buyer doesn't know and actually thinks their agent really thinks a particular house is right for them).

If nothing much has changed from last year, income wise, look at last year's AGI, look up the tax tables and see what your marginal rate is.

Gold has not changed it's position on the periodic table or it's spot value.

A letter should do it just as a letter from any other lender.I have played dumb sometimes, I don't always say I've been there done that, so if a Realtor I don't know quetions me, I turn the tables, well have you heard something bad about XYZ?

If you don't have money and/or an income source you will need to bring something else of equal value to the table.

We are currently attempting to sell our nicely landscaped and updated house; however, we will have to bring at least $2000 to the closing table to unload it.We figure we will end up renting it out, as it is generating zero buyer interest, and we know it will lose value as a rental.

Then you either adjust your property to market conditions or find yourself with a vacancy.However, if it's a landlord's market (low vacancies, high rents), then you may be "leaving money on the table" by accommodating your present struggling tenant instead of bringing in a higher paying one.

You may come to find a $3K special assessment, which could throw the entire deal off the table.