Well the speculation money has got to go somewhere because all indications are that the party is over for awhile in real estate.

If all, please indicate all leads.Please supply your contact info where we can discuss further.

Real estate agents in general have a tendency to say that a property has positive cash-flow if it covers debt service and a minimal amount of vacancy and often ignores maintenence all together.

This minimizes my risk and does not bind me to buying the home legally.

The selling prices, after adjustments for differences in date of sale, size, condition, and location, would then indicate the estimated FMV of the donated property.

In my reply, trying to empathize with her, I stated that we weren't completely satisfied with the program, the coaching system, but that we can still get something out of it, even if it was minimal.

There is no way to determine how much a broker/lender earns because as the other poster has indicated, there are several ways for a lender to earn his/her livelihood...Junk fees, YSP and SRP are just a few ways lenders generate income per loan...Further complicating this issue is the current disclosure laws in place; brokers are required to disclose YSP, while lenders do not have to. 4.5% is ridiculous regardless of loan size; I bet your current broker loves you!

My opinion is that the owner has indicated motivation so why not try a low offer to start like 150k?

That way you minimize the risk of disputes down the road if everyone’s role is clearly defined up front.

You say that feedback indicates it isn’t price, have you had an open house for realtors to solicit feedback on what the issue might be?