The seller almost pulled out on numerous occasions but again another story.

(On the rare occasion I had time for a date the girl would insist on driving her vehicle.)

Be ready with a blank check copy to use for your EMD.

I paid them off at the time they were due on both occasions.

In some areas it is considered fraud for you to run the background checks just to keep an application fee if you know other factors have already disqualified them.Stated a different way... once you get to the point where you run the credit, eviction and criminal checks, if you disqualify them it had better be for something you found out or confirmed from those not something like their income was not high enough or the were argumentative or left blanks on the application or any other reasonable factor you knew, or should have known, before you ran the checks.

Make notes of such issues and address them with your attorney in drafting the OA.I think for the cost involved, getting a blank form OA isn't really a value, I suspect much of it defaults to state law and won't allow the flexibility that can be devised that later on can save you thousands.

Applicants usually leave something blank.

Those are just the main 3 that I can think of that I've seen time and time again and even been taken by on a few occasions.

I would check our Michael Blank SDA it will help you learn the underwriting process. 

Yeah, I have my op agreement that my attorney helped and I've done 'fill in the blank' with my new LLC name since.