We are going to put myself as an authorised user on my wife's credit card who has great credit and save our pennies to be able to put down a bigger deposit.

I was based in Seattle for years but I'm on the East coat now.

Generally I wouldn't mind paying a buyers fee to avoid the hassle, but every penny counts right now. 

While a Title company has the capacity to advise you on how to handle these things, they are all necessary asks to close the transaction, because they will account down to the penny on these. 

Even in low end rentals, we only recommend 100% complete ceramic tile walk-in showers or cast iron/porcelain tubs with ceramic tile surrounds, and, depending on the property and the Owner preference, either a copper or membrane actual shower pan.

Sometimes it takes more coats.

I believe a lot of times the bank that was in 2nd position will sell off the now unsecured note for pennies on the dollar and the new owner of the note will try to collect.

You can also buy older versions of QB for pennies on the dollar on ebay.

I perfer copper wire and breaker panels--not aluminum wire or fuses.

But how would i do this in a way that i would not have to place a penny.