You can also request to have PMI canceled earlier if you meet certain requirements: You reach 80% LTV in your home You have 20% equity in your home You have a good payment history You have no other liens on the home You can request a PMI cancellation in writing to your lender or servicer.

I am assuming I can write the offer as cash, so long as the private funding is guaranteed otherwise I may put my EMD at risk. 

I don't "do" emotions when writing my replies.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Had not done a cost segregation study when I purchased these two homes, but understand you can calculate a value  to write off so you are not depreciating two roofs...using salvage value or producer price index.

On the buy side I have been writing 2.5% on the seller concession to buyer broker, and haven't been countered yet.

It sounded like the way you were writing that you might be doing a lot of online research and sending out offers, but since you mentioned an agent, I wanted to check.Are you getting enough reps seeing houses to know what your offer prices should be?

@Elizabeth SouthallWhat helps for next time is: write down all of your renovations and the price you paid. $1 spent doesn't = $1 appreciation.

Giving for a tax write off is giving to receive and that's not offering first fruits. 

Then people say banks do it, yes they do but they also do fractional lending which means they can create money out of thin air.They can write a $1M loan to someone with only $100,000 essentially.