The buyer was insistent on getting a working heater, didn't want a $5,000 credit, and there were no standard replacement because of the age and the size of the unit.

did any of them mentioning chalking as an issue? 

I did see where someone had mentioned about going to houses that looked vacant and looking up tax records.

Like a few people have mentioned there are lots of times where mold is no big deal.

I've heard snippets of people mentioning using their IRA's to help fund deals, but I don't fully understand it.

The 30% exp ratio still works for Park A, but it costs $ to test the well quarterly, pump the tanks, and reserve maintenance, not to mention the higher cap rate Park B will have. 

Might help if you mention the market.

The replacement sponsor has gone on to do many deals and has written a book - he didn't mention me!!!!! 

New Bedford has done a nice job cleaning up the waterfront too.Just FYI - you mentioned 3.5% down. 

Stephanie that is a great point that coming prepared may not get a better rate, but like you mentioned it will help get a more accurate rate and hopefully help the loan officer enjoy working with me because they have most everything they will need.