Waive your commission and ask for a corresponding price decrease.

If they aren't interested in a lower price, they'll just throw your correspondence in the trash.

Then you're talking tenants that correspond to that who eat your cash-flow for breakfast and then ask for seconds.

Anything can be used to demonstrate your intent - your normal business practice, an unsolicited offer to sell, a better opportunity, correspondence with your professionals etc.  

I'd also recommend a direct/correspondent mortgage lender vs a bank. 

Hello all.As I was preparing my tax returns, I realized my 2019 AGI exceeds the IRS income limits for full contributions to a Roth IRA, which carries a 6% penalty for every year the excess along with its corresponding return are left in the account. 

Hello all.As I was preparing my tax returns, I realized my 2019 AGI exceeds the IRS income limits for full contributions to a Roth IRA, which carries a 6% penalty for every year the excess along with its corresponding return are left in the account.

Deductibility follows what the money is used for.The prorated portion of the interest corresponding to the $80k is deductible against the original rental property.The interest portion corresponding to the $100k is deductible or not depending on how you use the money.

Please DM me if this holds any interest for you and I can give you the name of the Broker agent who can provide you with his opinion as to whether or not you have VA credits coming to you and if your Credit Union is passing them on to you or if they are keeping the credit a secret and worse yet, keeping the credit for themselves.HI Barry,That is true, we operate as a broker and we have set comp plans with each lender that we can only change once every quarter so if there is excess credit in the market we're obligated to not only disclose it you as a borrower but also give you all of the excess credit.If I was a banker or a correspondent lender and I had excess credit I would not have to disclose to you that I had 4.00 pts of credit behind the rate, of which if you had gone to a broker you may have received 1-2 to points of that money you could use to offset your other closing costs, prepaid taxes/insurance/interest,etc.VA IRRRL or interest rate reduction refinance loans are some of the best because they have a refunded funding fee of only .50% or exempt if you're an exempt Vet.Thanks for pointing out the above as Im sure it will help Paul on his decision process.

Save copies of all your correspondence.