I figure I could do an excel worksheet but thought maybe a software program would be more efficient. 

The website is www.kreia.com They are excellent and you need to go. 

In addition, you will better know the paperwork and strategies behind winning an offer on a property and receiving it for a better price than you would had before. 

I see this as a win win, I just need to pitch it right.The main thing I'm concerned about is objections I haven't thought of yet.

I ask because there seem to be a lot more really excellent SFHs and for about half the price of a really good duplex.  

In the mean time, you have missed out on many other excellent applicants.The 'rules' are a temporary substitute for judgement which develop over time.

I've got excellent credit and about 50k in savings.

And then I talk to the regional ops manager, and sure enough he can't tell me when the earliest a borrower can lawfully sign loan docs is, if the CD is acknowledged on Thursday and Monday is a national holiday but not a company holiday, he thinks it's impossible to close an FHA deal in <30 days, he isn't aware that Fannie Mae only requires signed 4506-Ts, not returned and processed transcripts, et cetera.I work for a place that I believe has an excellent balance.

I LOVE all the excellent advise on BP!!

We have excellent credit and access to 80K.