BUYER and SELLER agree to the customary split of closing costs.SELLER agrees to furnish at SELLER’s cost a Title Policy as part of this transaction.Upon acceptance of this offer, BUYER or his agent will deliver a deposit of $1,000 to the closing Title Company (to be agreed upon).

Prior to consulting, I worked for a European Multinational Asset Manager handling performance measurement, attribution, and analysis for domestic and international equity portfolios.

Rooney so you're getting cash value policies?

It would also help if you had pictures of the property prior to them moving in, so they could clearly see the damage. 

Try applying at a credit union. they offer low interest rates and their policies are also quite flexible. 

@Dennis Weber - Do you know if SRI updates the lists prior to the auction to scrub properties that redeem? 

Now we see two rate increases, China creating policies, Vancouverites acting like the Chinese investors are the devil (read the message boards), new government being forced to do something, cancel of short term housing, no aribnb ( almost all dt condos have signs stating they're against it), implementing a empty home tax, and now the new mortgage stress test for uninsured mortgages. 

All of those homes have a no pet policy due to the fact that most of the students really don't have time to care for a pet.

It will gently start to wake you up prior to the programmed time as it senses you in a lighter sleep.

The great thing about working with a lender on a multifamily is it is an income producing asset, unlike a single family, so to them, this helps mitigates risk and banks are all about mitigating risk.Also, you mentioned that the 2 prior year tax returns show lower income than you currently have now.