When the file was transferred to another desk, they quickly accepted a different offer at 72% (same everything except buyer and price).As mentioned, banks' (investors') assessments of their own liquidity, capital requirements and exposure to the market have a lot to do with it.  

Or is there a transfer of files issues between older and never versions?

@Lindsey Leavitt Few comments.Insurance is the transfer of risk to the insurance carrier in exchange for your $. 

I already have Lexington Law and have written many letters , Wells Fargo even wrote an somewhat admittance of guilt letter but will not fully admit the correlation between them closing my account temporarily and me not being able to transfer funds to other accounts to make payments . 

It's not hard (but is extra work as I end up producing a unique letter per offer) to temporarily transfer balances around to produce a proof of funds letter close to the asking price, but I'm looking to streamline where I can.

Lastly and I don't know this to be fact but apparently holding the properties in an entity allows one to avoid property transfer taxes by selling the entity vs selling the real estate.

We buy bother personal that we turn into rentals when we are transferred and pure rentals, that we rent out from day one.

I've been an "accidental" investor since 2007 when my wife and I bought our first home and decided to rent it out when we transferred.

I was stationed in Norfolk for two and a half years before transferring to Japan.

I don't think it's common for the bank to straight out give you permission to assume the loan, or to make payments on behave of the borrow, but since this is a friend of yours, you could potentially leave the loan in their name, and simply start making their payments for them and have them transfer the title to your name.