And the worst still awaits.On Tuesday, researchers at Goldman Sachs released a paper titled “The Housing Downturn: Further to Fall.”

I would also get ride of that wall paper and have the walls repainted in a softer color or white.  

Also if they are offering 125% of value beware after you sign those papers some fool could hit you total your car, and now you are trying to get 25% more than it is worth just to settle your debts. 

The developed value could take the form of paper OR finished lots.

I have spoken to the HOA more than once in the last 2 weeks - and I have several emails, including three sent today to various reps in the HOA, to create a long paper trail.From what one of the HOA reps told, the community has a problem with roof leaks and they are looking to replacing every roof in the whole community (they raised our dues twice in the last two years, with the claim being it needed was to change the roofs).If something goes sideways here, I don't want the legal liability to land on me because the HOA is taking their sweet time in handling this.

If you don't look good on paper I would start exploring non qualifying loans such as DSCR where the bank qualifies the property rather than the borrower 

We can apply separately for mortgages being that we aren’t common law or have a relationship on paper.

Also, if the stains are on a vertical surface; you can put CLR in a spray bottle and spray/paste paper towel on the stain.

So sit down and pull out a piece of paper and pencil.

And values are determined on the paper, when buyer and seller talk about it, since there are too many unknown variables for hard and fast rules.