My wife is being considered for a promotion in 60 days so that would be a great help to our bottom line and we are getting the discipline now so that when the day comes, the increased income won't result in increased spending as has been our M.O. for the last ten years.

Such investment promotions like this involve great risk.

The Courts have come up with their top fifteen items that they look for in determining the status: Taxpayer's purpose for acquiring, holding and selling the propertyNumber, frequency and continuity of salesDuration of ownershipTime and effort expended by the taxpayer in promoting salesTaxpayer's use of brokersExtent of improvements and subdivision made to facilitate salesOrdinary business of the taxpayerExtent and value of the taxpayer's real estate holdingsExtent and nature of the transactions involvedAmount of income from sales as compared with the taxpayer's other sources of incomeTaxpayer's desire to liquidate landholdings unexpectedly obtainedTaxpayer's overall reluctance to sell the propertyAmount of advertisingUse of a business office for salesTaxpayer's control over any sales representativesOf these, the most important issue appears to be the number, frequency, and continuity of sales.

Usually, real estate websites promote their "Become a Billionaire Overnight!

They said people can't promote themselves in the forums and that it's only allowed in the marketplace section. 

More Consumer banks are offering mortgages with lower down payments (I heard Wells Fargo is promoting a 5% downpayment for primary residence home mortgages) so you can check with your bank to see if they'll offer similar options.

They're currently having a promotional rate for 2.99% for the first 12 months. 

As I was closing I got a huge promotion at work....

My job has allowed me to relocate for a promotional opportunity that has been quite the experience.

Perhaps you could raise the co op to 3%, lower the price to $399 and hold a mega open house, promoted by door knocking and targeted facebook ads camaign, thus drawing a heavy buzz.