I have 5% for a conventional... along with hopes and dreams for my family.My last ditch "Hail Mary" would be to ask a family member to Co-Sign the mortgage.

For your REI situation: If your wife refuses to live in a small MFH, then might as well ditch that idea while we can. 

My client received a notice about tires that were illegally dumped into the ditch. see photos belowThe SAME DAY we received this notice (one month after the initial discovery) I visited the area and took these photos:NO TIRES. 

Also had the county out to re-grade the ditches around the property so they drain better.  

Otherwise, you might have to ditch this lender until the appraisal expires or find another lender.

The plan is to ditch his list.

Clients that refuse to maintain their private road, and then demand that we go out in a snowstorm on Christmas Day to help drag a ticked-off guest out of the ditch.8. 

@Patrick M.I get such a kick out of the hypocrisy of these names...how is the photographed wood grain of the a pecan tree planted on the shore of a lake different from the photographed wood grain of a pecan tree planted in a treated-sewage-fertilized field by a ditch?

Why wouldn't you just ditch this guy and Air B & B it yourself?

Ok, If you're positive about Erica and Bob, and I mean POSITIVE....then keep them, but definitely ditch the other two, they will be nothing but trouble, and we will be having this conversation again.