Hi All,My offer was accepted but the seller has a C of O (done 18 months ago) that is not transferable and will not give credit for a new one and is not negotiating. 

This is derived from a model developed by the credit industry and would include homeowners who are just over-stretched with high mortgage and not enough income.

Hypothetically, as a builder / developer, would you pay a slight premium for property that has the federal historic tax credit of 20%, a state historic tax credit of 25% and a city empty building tax credit of 25% - capped at $500,000, as well as a dense mixed use approved PUD, and a tentative $5 mil TIF district for the site?

try to  get an idea  what lender (s)  has  made loans in the complex in the past few years and then contact them ...you might also  check with the smaller  to mid size banks and credit unions in  the  condos  area  as they may not be as concerned with this issue

I have already gone through the credit, income, and background check process.

Yet credit cycles are still hugely destabilising.”

However, areas with the highest demand and lowest inventory experienced double-digit percent price jumps simultaneously coupled with declining sales activity.

I’m just starting out in my real estate career and as looking into doing a lease option for one of my properties.From my understanding, rental credits are a big no-no, as it makes the deal a financing agreement with equitable interest.My question is, for those deals where the initial option fee counts toward the purchase price of the house in the end, would that ever be considered a financing agreement since they are pre-paying so to speak?  

My credit had dropped from high 700's to mid 500's after all the damage had been done.

I reached out to them and received what is by far the lowest price back on the quote, but after reading a couple threads here about the claims process seeming to require lawsuits to get anywhere I am more worried about it.