If it is a owner occupied, then get an independant valuation from an appraiser and try to negotiate with the agent the best price possible.I routinely get 10 to 20 percent off the BPO as do others, so you should be able to gauge how well your doing by securing an appraisal report.

The disability required for a service animal need not be evident either.

The reason I ask is that I am a 62 year-old white lady who routinely pokes around properties that are for sale in predominantly black neighborhoods, without any of the paperwork this man had.

Mix up your routine so you're not at the same place daily. 

I almost disabled my account, but I wanted to first publicly apologize to Scott and BP for my role in perpetuating anger on this thread before doing so. 

"Without the element of uncertainty, the bringing off of even, the greatest business triumph would be dull, routine, and eminently unsatisfying." - Jean Paul Getty"Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all." - Dale Carnegie"Whenever you find yourself on the side of the majority, it is time to pause and reflect." - Mark Twain

This might be a regional thing, or as Bryan Hancock suggested, could vary from city to city.If I did the "Yes Ma'am" routine at the local bars in Newport Beach, I'd definitely get some strange looks.

All the data bases I routinely use have the information, both legal description and address.

I can edit tasks, appointments and reoccurring events/routines on my computer, which syncs with my Android cell phone.

Geraldine has a great outlook and I look forward to implementing some of her tips into my daily routine.