I've used them to set door codes, message/call guests, schedule cleaners, adjust thermostats, monitor cameras, CRM management, end to end processing of rental applications, etc. 

Considering all that you may need to adjust some but your calculations should have sufficient wiggle room. 

a small, local bank would be the best bet.

We all have to be able to adjust to changes in life.

@Don Konipol After researching it more it looks like my best bet might be to just flip the houses by selling the land contract/note to a note buyer.

If you are looking to stay at that brokerage and become a real agent then your best bet might be to give the listing to someone in the office who could serve as your mentor.

Certainly a good way to help the industry and/or farm business leads, but I'll bet very few of the sh***y ones would make that effort and/or expose themselves to that (constructively critical at times) feedback and discourse.

Once you have a pre-approval, your lender can adjust one each time you make an offer so it is tailored to the specific property and so they sellers do not know how much more room you have.

Most people are :-Terrified of anything that is potentially risky with money - naturally cynical and negative toward new things - fearful of what they don’t understand Knowing this ..your best bet is to write your goals on a piece of paper and tell no one .

@Christopher Guerriero it sounds like some people have fought assessment values more successfully than others over the years as well as varying degrees of homestead exemptions for previous owners that didn’t get adjusted back when the property changed hands.