I do full background, credit checks, job verification, etc.

That’s $104,664 annually (actually increasing each month since the payments to us are all interest but the amount of principal we are paying off on the underlying note is increasing with each payment), on an “investment” of $523,000 (which is calculated as the amount of additional cash we would have received by accepting the all cash offer).  

You cannot impose an additional fee for an emotional support animal (ESA), but it's essential to obtain documentation confirming its status as a service animal. 

I would like to credit back a portion of my buyer's down payment on a house, say a few days after closing.

Feel free to list the property details (as-is value, PDTI, credit score approximation, city) and I'll give you an idea if the parameters look realistic relative to our standards!

I have a large income, great credit score, a down payment, just not enough for 20% down OR not enough down to meet the conforming limit of $766,000.  

The Down Payment can be higher, but the DSCR program can go up to 80% sometimes 85% depending on several factors like; Property Type, Location, Credit, Cash Flow, and Lender. 

When trying to add it back the link does not link to the payment portal.

One strategy I like to do is build in seller credits into my offers so the loan covers the closing costs, e.g. if you wanted to offer $500K for a property, offer $510K with $10K towards closing costs and that $10K is supported by the loan and can be used on the costs I mentioned above.

They will also be able to work with you to help you get better credit or optimize finance to afford more.