I would make multiple offers expecting to get countered or denied often.

Andrew - I won't deny that the thought of the coordinated "low ball" attack has crossed my mind...lol.

This is what we found out about State Dept Federal:#1 Membership: You either have to work for the state department, a handful of companies or have a relative in either or apply for membership which they can deny you for. #2 Recent credit: You cannot have opened any new credit lines in the past 12 months!

@Denis Jozic  as a foreign investor you will want the following things to obtain financing in the US.  

-Denis

They tried working with the lender who strung things out for 9 months and then denied the modification.

You asked to speak over the phone to them and was denied a few times per your o.p.

The insurance company denied a policy for a house that needs roof work; is that a standard practice? 

This resulted in my residential loan getting denied.

Would it be unreasonable to deny tenants access to the back yard?