Would you mind explaining more why you think Upstate NY is tough.

Difficult to explain why, but the comm property loan must be in our names, not our company's.What would you do? 

I explained we would need an app from her, background check, then we would sign a new lease with her name included.  

wisconsin has pretty specific clauses you can and cannot have. there is a wisconsin lawyer with a faboulous website explaining what you can and cant do, from what i remember from the website, per some newer wisconsin law your entire lease can be thrown out if it contains one of 9 illegal clauses spelled out in wisonsin law. i am on my moble and don't have the website handy, try googling wisconsin landlord tenant lawyer. each state and even counties have different rules. that being said, 4 pages is to short. i am constantly evolving my lease addendum as situations arise, and i talk through it all at lease signing since tenants typicaaly dont read what they sign.

This video explains it in a minute and a half.

Could someone explain that relationship a little better for me?

Sometimes we even fund this CR out of the same debt we are using it to pay off.I know this seems expensive to some, maybe even confusing, but it's hard to explain in text only.  

Call up your local real estate office and explain your situation.

If this is the case in your situation, it would certainly explain why the bulbs were burning so brightly.

I negotiate (other than real estate) for a living, there are times it is better to throw out the first number, especially if you think a seller has a crazy high number in their head.If you have reason to believe they think its worth (pick a number) $100k, and a fair deal would be more like $60k, throw out a low number to start, this makes the negotiations start at the lower number.Now I will say, don't throw out the top dollar you will give for the property, and I agree in most cases let them throw it out, but I'd rather defend a $50k offer that is somewhat realistic, than start at $100k and work your way down,,and don't just 'throw out a number', given the reasons for your offer before you give the number.If from your conversations you know the seller is going to use the house down the street that sold at $110k, then go ahead and deal with that now,,explain that there are houses in the market that have sold for very high prices, those houses (explain the difference),,,take away what he is going to try to use against you in negotiations before he can.