Was this from a price drop from the lender or did you just offer a lower price?

I think the market is overvalued and will soon drop, again.  

Just last week a really nice property flooded during the extreme temperatures we just experienced.

Female agents tend to start out optimistically, but are fairly willing to drop prices.There is an agent in this area(a male) who happens to recommend trying to list slightly below market value and then attracting full asking price or even a bidding war. 

I'm contemplating dropping my equity top end to 90-95% just to see if I get more callers who are still paying and therefore may theoretically be slightly more motivated.

or one only works after she drops off the kids for school then gets them off the bus in the afternoon.  

Has anyone dropped their Insurance themselves and became 'Self Insured'?

While it may be obvious that you can get a house back that was improved, what if your borrower drops dead and you then get into the construction business too, bankruptcy, incapacitation is even worse! 

A side note, when you try to tag someone, type the @ and then the first 3 letters of the persons name and a box drops down to select the persons name to tag.  

I assume that you have never had a property where the gross income dropped by more than 30% before...