It has saved us a couple of times during our "inspection period" and we successfully adjusted our offer using the new data.TTFN,Greg

The rate is not fixed and adjusts daily.

I don't see the point in a fake ad. Just

I'll just adjust any offer based on 6 months lost rent and tenant occupancy until the 12 months expires.

Figure out an adjustment factor for the square footage.

Abuse is presumed if the debtor's aggregate current monthly income over 5 years, net of certain statutorily allowed expenses, is more than (i) $11,725, or (ii) 25% of the debtor's nonpriority unsecured debt, as long as that amount is at least $7,025. (2) The debtor may rebut a presumption of abuse only by a showing of special circumstances that justify additional expenses or adjustments of current monthly income.

Other "current" income such as dividends and interest is UDFI if there was debt outstanding on the income-generating asset during the taxable year in which the income is received. http://www.whitecase.com/alert_tax_091007/When calculating your UDFI tax percentage, you use the average indebtedness of the past 12 months and divide that by the adjusted basis in the property (typically, the original purchase price).

So, you would need about $7,000 for the down payment.If your income is less, just adjust the numbers to match.If you have other debts, the bank will add those to the PITI and then divide by your pretax income.

We will pay 5.75% w/ a half pt for 5 adjustable money amort over 20.Issues: Although 66%+ have signed letters of intent and the contracts are starting to be signed this month, there is a movement afoot to queer the deal based on rising land costs.

I'll contact my agent and make the adjustments based on your comments.