You could be talking 30% compared to 15% or 0% (zero if you fall under the income limit). 

Reonomy is also cheaper than CoStar, but keep in mind they limit the number of properties you can pull per month. 

I've made my agent a lot of money for a pretty limited amount of work.

He has not submitted an application and is not on the lease.

Is this applicable for electric and gas?

and as one ages like a fine wine you figure out that equity is your friend and limit your debt when you can … granted mathematically everyone should do 100% financing and never have an ounce of equity tied up.. but that's just mathematically.. in a down turn like what seems to be running through everyones minds these days because there are a few headline grabbing articles that scare people.. we then start to talk about what to do and how to be positioned...

I will give some examples below so you know to not limit yourself.

The thing is, based on our initial reading of the zoning laws we didnt think it would be possible at first but then we went to the permit office found out exactly what the limitations were and built around those limitations.

Applicant 3 just decides not to move

Much easier to pick once you narrow down what your limits are and then find the most valuable option w/ in them.