(An exception is if you own 5% of the company you work for)Agree, this is a great summary post on REPS with core concepts on how to qualify. .I think the complexity comes in when people have edge cases - it becomes difficult to write a simple short post that educates everyone.

You can also request to have PMI canceled earlier if you meet certain requirements: You reach 80% LTV in your home You have 20% equity in your home You have a good payment history You have no other liens on the home You can request a PMI cancellation in writing to your lender or servicer.

I am assuming I can write the offer as cash, so long as the private funding is guaranteed otherwise I may put my EMD at risk. 

You write well (except for the "eye trouble") and appear to be intelligent enough to test through much of a degree. 

I don't "do" emotions when writing my replies.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Had not done a cost segregation study when I purchased these two homes, but understand you can calculate a value  to write off so you are not depreciating two roofs...using salvage value or producer price index.

It sounded like the way you were writing that you might be doing a lot of online research and sending out offers, but since you mentioned an agent, I wanted to check.Are you getting enough reps seeing houses to know what your offer prices should be?

@Elizabeth SouthallWhat helps for next time is: write down all of your renovations and the price you paid. $1 spent doesn't = $1 appreciation.

On the buy side I have been writing 2.5% on the seller concession to buyer broker, and haven't been countered yet.