If I were the seller's agent, I'd be looking for a large non-refundable deposit.What the seller's agent is trying to prevent is accepting an offer from what turns out to be an unqualified buyer. 

We are not optimized, but I have accepted that.

Virtually all of them will accept IRAs.

in VA a 30 day notice is 30 days from the rental due date not just 30 days from.whenever you choose and he ignored his false 30 day termination via email so if i were to pay the prorated amount i would have agreed to his terms and he is not accepting my rent and I have severe health issues and needed the time I was legally entitled to. 

The offer was 239K and it was accepted today. 

So I see a foreclosure on Hubzu and make a bid,My bid didn’t even come close to the reserve and was very shocked they accepted it.

The deal isnt done yet, they just accepted my counter offer and i found an inspector to come on monday so its a process hopefully i close on this property.

I do like the fact that with direct ownership I have a lot of control over what can be done to adjust income, but I also accept that I might be too small of a fish to survive in the pond.

Before judgment is past I say lets learn the details of what is and isn't acceptable and then go from there.  

You need to be prepared to advocate for yourself to keep things moving through the process.You must either be in the target demographic (earning less than median income for MSA) OR be buying in a census tract that is eligible (based on the income demographics of the tract).In a competitive market, getting a seller to accept your offer, with the NACA qualification letter, rather than a traditional preapproval letter, can be a challenge.Having said that..