Nice borrowing $3.8M on a 140k house, I wonder who is going to get stuck with that mess when that house of cards collapses. 

I've got 4 mortgages, 1 car loan, 1 student loan, 1 balance on a Visa card, 2 balances on store cards and 1 credit card that I pay in full every month.  

Maybe I can send you a gift card so you can treat yourself instead.

Almost everything but a home loan (Roths, 529, auto loan, business business checking and saving, personal checking and saving, and credit card).My question is, Should I start searching for credit unions that offer more?

Too many things have already happened with female realtors letting prospects into houses or property being stolen while being inspected.  

Replacing stolen appliances (and AC if you provide it, not recommended on either), fix holes in walls at least every year etc.Search here on "lonnie dealer", "renting mobile homes in parks".  

There are plenty of sources of capital including personal savings, credit cards, lines of credit, self directed IRA accounts, hard money lenders, private lenders (e.g. family, friends others who want to get into real estate but don't have the time) and seller financing.

Some people should tape this to all their credit cards.

I have my sdira set up that way, as a company owned by my SDIRA then I just use that company's business debit card to pay for servicing and 3rd party services like BPOs, and O&E reports which can all be ordered online. 

You might want to hold a drawing where brokers, agents, or buyers put in a fish bowl what they think the property should sell for in it's current condition and you have multiple winners for gas cards, restaurant cards etc.People love to win stuff and it gives you a reason to call them  back plus when you say to a seller it is overpriced it  can fall on deaf ears.