So, I can't see reducing it further.

So the tradeline game is and will change.

So this is a tricky thing.Accountant's / CPA / Professionals who get paid based on their knowledge and time normally do provide a 'free consulting' call to have a chat with them.However, please be mindful that the 'free consulting' most firms offer is very high level and moreso to see if you both would be a good fit for eachother.Sometimes, these calls are done by the owner(if its a smaller firm) or business development  professionals if the firm is larger.1800-Accountants is a large firm so you are likely first vetted by a non accountant whose main job is to get the sale.Best of luck.

The reality is, rising property taxes, maintenance costs, increase insurance premiums (I'm a broker so don't get me started here), an HOA assessment or annual increase, etc, etc, etc.

So it sounds like you should lower your cleaning fee $30?

So, you would want to get something in writing from a lender, to avoid having your loan Note called due for a violation. 

I’d love to hear what works for you, especially for those of you who are doing quick turnaround analysis.Looking forward to your insights – thanks you so much in advance for the help!

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

So while a seller credit can reduce your overall cash out of pocket on a deal, lender guidelines typically won't allow for it to cover 100 percent of your down payment.

If so, are they trustworthy and good?