That letter will be placed in the file in case the file gets pulled for a QC or a Pre or Post Audit to detect mortgage fraud. 

But not to hijack this thread ill save those questions for some forum posts and the meetup. 

@Andrew Postell thanks for the info, I've seen other posts here from South Africans and thought I'd give it a shot. 

I was just logging in to check posts and stumbled across an old post that I made a few years back. 

  #1 I asssume you are going with $100k (and assuming there are no post tax contributions gobly gook).  

Originally posted by @Alan DeRossett:it's much easier to rent properties that are well kept instead of a vacant lot.

I don't want to provide a link as it will be seen as self-promotion and taken down, but if you google my The Gifford group, or divorce buyout calculator, our website or YouTube should pop up. 

Statements that need corrections in your post are:1.

Hi Joe, If you have access to your excellent review history, but it's not posted, you could create some sort of repository (landing page, etc.) and link it to your current listing (based on what the website allows). 

I'm writing this post just to make sure I'm on the right track.