My analysis is that if there were lower offers, my price would be high; but no offers at all, that puts my concern in the house, it's layout, size, etc., I mean the house is not appealing.I am not desperate yet, but I could use some out of the box point of view to move forward.Thanks again for your answer Abe.Fernando.

What I would do is prequal my seller, show them homes, and put in a cash offer(probably lower than their contingent loan offer).

If you're willing to put 20% down, you could probably lower rates by a couple of percent or points down to 2. 

I wanted to ask if anyone has thoughts on fighting to have your FEMA flood insurance lowered.

Zillow stock sinks on company's plan to start flipping homes https://www.msn.com/en-us/money/topstocks/zillow-s...Zillow shares closed 6.5 percent lower Friday after the online real estate database company announced it will begin buying and selling homes, a capital-intensive endeavor.

You are correct, the dispensaries and extractors have seen more of a boon with the lower prices.

I wouldn't like to begin my career investment in Hawaii; MA would be a great place to start (lower cost of living).

Sometimes I bid that amount, sometimes I bid lower. 

We ran rent on the lower end for $3,600 income (current tenant paying $1,200, average is $1,800) with expenses being about $2,400 (pulling out 8% each for vac/repair/capex/management as it's a large old building). 11.58% ROI, 12.67% cap rate, cash flowing $1,200/month if we rented all at the lower rents.

My "$140k+" comment relates to Lenders' willingness to (probably) only lend you 70% of their appraisal; so if they appraise it lower than $140k, they will not lend you the full $100k that it might have cost you!