2 years vacant and he still doesn't want to fire the PM...I'm swinging the axe after 2 or 3 months myself.Don't be afraid to shop around as mentioned above as well.Yes, you should be able to PM anyone on BP by connecting first with them.

Then they will shop your total (so it was 100K and you want 20K off, Mary had an offer for 92K and Jeff had an offer for 87K)"Hey Mary, it's Mike.

If anyone would be so kind as to review and offer input on my below math, I’d be happy to talk rehab shop in exchange.

So the loan is really for $98,000.You will need to shop around and talk to the HMLs.  

Shop around for a mortgage, one size does not fit all.

@Isiah Ferguson I'd shop that rate around brother. 8% seems really steep for a conventional refinance.....

I live not to far from you in Springboro,  I am more the buy-and-hold kind of guy but would be more than happy to grab a beer with you and talk shop.

Yes that deadens the sound a bit but none of this worked in my 100 year old American four Square home that was converted into a 2 flat back in the 60's.

Perhaps they are specific to one lender in which case you should keep shopping around.

Do you know any difference for a foreigner and American if they involve to sales one day for the properties?