Will their commission drop due to the ruling?

However we are in a market with higher interest rates and prices haven't really come down.

First, that's what you can afford, secondly your new and you have no idea what the roller coaster feels like yet so sitting in front raising your hands on the big drops and enjoying it may not be the case. 

Our rate is a 3.5% fixed with 27 years remaining.

What occupancy rate have you gotten throughout the last year?

Are there any banks/lenders which would provide some incentives on closing cost and give good interest rates?

Asking is $200K, my relative (buyer) looking to put 20% down.He is pre-approved for the amount, lender has prepared both a conventional loan and a mass housing loan option for first time buyers.Would be purchasing as an owner occupied "primary residence", rates are decent under both options.Condo is currently rented, tenant lease expires the end of August - roughly 4 months.Lender says both loan programs require buyer to occupy the unit within 60 days, to qualify for first time buyer deals.Is there a way to get them to extend this to 120 days (4 months) until the tenant lease is up?

I would only explore second-lien positions loans if your current interest rate is in the 3's.

NONE of them had the phone numbers right, even the best rated sellers.

I typically advice a cash out refi over a HELOC if you have an immediate use for the funds since HELOCs have variable interest rates, but you also want to take your current interest rate into consideration.