I am just having this issue now as well. 

As well as buying it down with points.

Colorado changed from selling liens and issuing deeds to selling liens and then auctioning off deeds as well.

Low growth for appreciation as well. 

Yes, it is extremely common in our industry.

You might want to consider the Columbus OH market as well.

It is well documented online that soap in a sump pump accumulates and solidifies and then blocks the pump’s abilty to move.

I asked this very question to former head legal counsel of well-known title company here in CA.His answer: “It depends.”That was helpful.As the prior poster indicated, each of these cases are unique and have their own facts and circumstances.

He is my neighbor and friend, so at least I know him well as a person.

While they require you to use their system for your comps, which is the ones they use for the comps as well, they ignored those as well and used ones that were far removed from the property i.e 3 to 5+ miles from the property and not very similar at all, for the loans and will often "move the goal posts" on the deal and add more requirement's that they never told you about even when you ask what the requirement's are.