If you don’t think your timeframe is that fast you can get prequalified which will at least give you a ball park figure of what you amount you can buy.

I have a friend here I could pay to do this work for the time being, but he is not so on the ball as far as managing things (his life is a bit of a mess) but he is available to do it.Are there options I'm not considering?

For cold temperatures, heat pumps struggle to keep up because it is harder to extract heat from very cold outside air than from warmer outside air.  

But that is a benefit of being a mortgage broker vs their retail branches (they know if they don't perform we will send our business elsewhere, their retail loan officers don't have a choice), and being one the biggest mortgage brokerages in the country (if they drop the ball, they will lose a ton of business). 

I bought my ex out of it when we split and tried to sell it back then, but was getting low ball offers, fast forward two years and I'm being offered 25k over what I listed it for two years ago.

We don't winterize, that's when I do any maintenance it needs or we spend a night etc....I have cameras, temperature notifications, leak detectors that will automatically shut the main off etc....and the mini splits are back up heat.  

I have $75K pre-tax from 2019, and only $45K pre-tax from 2020 during covid (I was told that a 20% drop negatively impacts my chances), with only $5,000 so far for the 2021 year (my work is seasonal and i've been working on other projects [i'm in the solar business] and business is ramping up this summer), my business activity will show $0 for the last 90 days, and personal account will show $4,400/mo the last 60 days (my wife makes $82K/yr pre-tax).All that said, am I better of going balls to the wall the next 3 months and say I make $10K/mo the next three months and buy in late September to early October, or do I bite the bullet and set my business on the backburner and take on a W2 job as I only need an offer letter & first pay stub (to my understanding), and last 2yrs tax returns?

I really feel that this is a very low ball tho.$226,477 x 70% = $158,534The home is in great shape but no repairs on the home in over 15 years that the daughter was aware of.

there is a correction or crash coming just dont have an magic8 ball

What kind of ball park price are we talking so that I can attempt to factor those larger expenses into my future budget?