However, it is also key that buyers recognize the difference between minor improvements they can make later, and critical repairs than need to be made immediately.

You criticize me for using that investigative technique but fail to recognize that you are doing the same thing.Also, it's just weird that you say "your welcome" about the Fannie Mae thing. 

(Incidentally, here at BP, we recognize this dilemma and offer to provide employer contributions either a traditional 401(k) or a Roth 401(k) in part due to this "problem" for some team members). 

I'm a perfectionist and it seems so easy to say, 'Well, I don't have a website so no one will take me seriously.' or 'If I type my Yellow Letter instead of handwriting it no one will think it's genuine.'

Also, if your loan was conventional; Fannie Mae recognizes the legitimacy of a QC between the mortgage holders and the LLC so long as the LLC is controlled by the borrowers; If the property was owned prior to closing by a limited liability corporation (LLC) that is majority-owned or controlled by the borrower(s), the time it was held by the LLC may be counted towards meeting the borrower’s six-month ownership requirement.

Sorry I tried to add my description and apparently it didnt recognize it. 

DU recognizes it, and grants an appraisal waiver.Hope that helps.

We're running into roadblocks qualifying for conventional or FHA financing because: we're not first-time homebuyers, our income is too high to qualify for many programs, and our debt to income is too high because various programs refuse to recognize rental income if the unit hasn't been rented out for a full year (despite us having signed 1-year leases and last month + security).

Genuine question, I don't know the answer.California reference, for those curious.

Just a thought.I wanted to ask if you guys thought this was a genuine value add that executors would likely find compelling.