Your stagers did a great job with balancing the amount of furniture, pictures, knick knacks etc., and leaving enough open space. 

Please give me specific answers keeping in mind that all other terms are the same for all of the options below.1) Bank AFixed interest rate = 4.375%Fixed Period = 5 yearsRepayment Loan term (balance due in) = 5 yearsAmortization = 15 years2) Bank BFixed interest rate  = 4.5%Fixed Period = 5 yearsRepayment Loan term (balance due in) = 15 yearsAmortization = 15 years3) Bank CFixed interest rate = 4.7%Fixed Period = 5 yearsRepayment Loan term (balance due in) = 20 yearsAmortization = 20 years4) Bank DFixed interest rate = 5.35%Fixed Period = 10 yearsRepayment Loan term (balance due in) = 20 yearsAmortization = 20 yearsThanks,Saran

I offered $36k, 20% down, seller financed the balance at 5% interest, 15 year amortization.

You see, I can buy a house here cheaper than you have a remaining balance on your car.  

Balance are bought and resold quickly (30 days total) with my Roth IRA owned LLC (tax free flips).Leads from Homevestors franchise (direct mail, billboards, pay per click and television advertising). 

I can't imagine any value, any information, any thing that they could tell you to overcome the negatives to your balance sheet and cash flow that come with a thirty-eight thousand dollar hole and ten thousand per year in carrying costs.

@Steve Sapowsky A way to raise your credit scores quickly would be to call your lenders and ask them to increase your High Balance.

The deposit gets applied to the balance due prior to moving in (first month's rent and full security deposit).  

Uses a lot of different data points and seems pretty balanced in their reporting.

So a balance sheet is not part of the application features.