I plan on low balling an offer.

Unless you are highly leveraged and don't have much "skin in the game" as they say, your cash on cash return will be very low.  

@Tony Gunter  yes frustrating.. part of it I totally blame on the absolute rampant practice of the wholesale community there tying up MLS properties and flipping those like they were off market true wholesale deals.. the apprasiser are not dumb...

Non capitalized improvements you would deduct in the current year absolutely.

A lot of lenders may tell you the appraisal is free however its not free if you dont close you will still pay for the appraisal typically (its only free and credited back at the end or at the closing table).The other part is to make sure rates are where you want them to be (low enough).  

If you went into the business transaction with a serious attitude and a professional process then yes they absolutely would. 

Hi Connor, This is my understanding on this type of loan.The FHA Loan  is mainly an insurance program by the FHA (government entity) that allows low down payment on the purchase.

@Matt Hixon  Absolutely!!  

You shouldn't always go with the absolute cheapest guy out there.

Dues in my property's neighborhood increased by 20% right after I purchased because of a low reserve fund.