I believe that the US stated inflation numbers weight housing at about 47%.

They will always add the higher income earner and put most weight on them for a loan.Historically on loans the bigger earner always carries the mortgage payment out of the two.The credit comes in from someone can make a 100,000 but spend 120,000 and someone can make 50,000 and save 30,000 so it's income earned and how they use it (credit score) that makes a difference.To be able to sell the loan off everything has to fit in a nice little box.If it doesn't and is approved someone's job is going bye,bye real soon.Most local to regional banks in my area will not touch any what they term as EXOTIC financing.Meaning anything outside the norm.They want to get existing junk off the books and make loans that on paper have a very low chance of default.From what I was reading certain parts of PA is one of the first markets rebounding in the country for values.I would look at clothing,cable,vacations,increasing your real estate closings,etc. to increase cash flow and reduce debt.If you work at a brokerage work on getting your brokers license so that you keep it all.That will increase your income right away.

Although I only mailed out to vacant land owners, his parcel happens to be next to another he owns with an A-frame cabin & build-outs (garages, shed).Not being sure what to do to make this deal work (without ME having to work too hard), I decided to contact a local area realtor.

If enough of them do that then the weight of redemptions will force the markets down even more.Of course, our wise and beneficent government will probably step in with a trillion dollar buyout to make these poor misguided lemmings whole again.....

Most tend to hate the ones who try and shed some light for them.

It is 1946 sqft, 2002 house, 4 bd/ 2 ba/ storm shelter, 2 car garage and outdoor sheds.

7)What types and sizes (weight) of pets do you have?

Good or bad, the old manager holds weight with most tenants so always better if they corporate. 

In retrospect, of course, you shouldn't have closed with them still present - spoken promises tend to be worth their weight in air.

Lilia I hope this maybe sheds some light for you.