.- A rate-lock was provided on January 10th locking in the rate of 3.75%- Today (Janurary 21st) my mortgage lender called to tell me they had to re-run our credit and my girlfriends credit dropped to 679, one point below the minimum acceptable for the product we were offered.

This is or at least should be work for folks selling real estate related products or services.

There may also be some sort of production payment contract that comes along with it where the utility pays a certain amount for any electricity the system puts on the grid, so there could be some income from the system on top of that $1,000 in energy savings. 

Or what if another tenant was physically unable to push a mower so he had to hire a gardener at an even greater cost to himself....would that count more towards the rent control limit?  

On top of that, I was paying for CRMs, websites, E&O, lead generation, marketing, etc.Lots of extra money going out + my own diminished production + non-performing agents = me being exhausted, discouraged and broke.  

They can be very location specific, so you really need to do the work of contacting all of your local banks and CUs to see what kind of products they offer.

I have been writing letters to owners for a very similar product in my market, but at this point no one is willing to sell. 

As an agent, you are solely responsible for the production of your entire income.

What products are they offering?

Other things I am specifically looking for is suggestions on products that are budget friendly but still give the house great appeal.