Is it in an established neighborhood or rural?

Lesson learned, move on, be WAY more selective in who you hire next time.It doesn't sound like she is an established company.

With all respect to Bill, you absolutely CAN do a deal like that.

The reason the Commission was established was for the public good, probably established because way back, too many people were getting shafted by Simon LeGree, why isn't the issue, and the rules were established for the same reasons.

"We've already established that you're a whore, now we're just negotiating a price..."

Also, I don't know if it really factors in, but a bank processor may not be as willing to actually look at the comp.s hard enough to establish a true difference when you still have an insection/walk away clause, even if they approve your price.

I am a good landlord, they know that and respect it - as they can't buy a house (for the foreseeable future) they have no reason to move even though I keep raising rents to stay with market.

Declining income is okay with respect to residential financing as long as its less than 20% decline we can use the most recent year if its the worst year if 2012 is the worst year then the income used would be the 24 month average of 13 & 12.You don't necessarily need full 24 months or 2 years tax returns.

I now have more buyers begging me to come to them first so although I may have left some money on the table, I have established in my buyers that I bring deals which I think will help me in the future since I'm just starting out.

Your primary goal if you decide to do little to no money down is to establish credibility first and find motivated sellers.