What finally made it happen for you?

It all depends on the size of the bank.A local bank with real people in their REO office are definitely approachable.

There is no final contract until both sides sign off on all terms.Anyway - I agreed to increase my offer to $225K.

I have made contact with the HOA president, Property Management Company, and was finally forwarded to the attorney the HOA has retained to deal with the situation.

Your deal size can work against you.

.), borrowers are part of the qualification process (up to 25% weight of the final decision is based upon the borrower's creditworthiness).

If you live in a city of any size, I'm sure you'll find a store that specializes in bulbs.Jon

I marketed it on craigslist and have now found a buyer for $4k more than the full price offer I was asking....I'm not sure if every bank will stop the sale if they are getting what they think is fair, I am just letting you know my experience so you can try it out if you run out of options or time.The deal: 1st $24kasking $35kcontract to sell $39kbank finally took $18k (maybe they shouldn't delay)P.S.

I plan on a telephone conversation to make my offer & mention the contingencies I require, then, if accepted, following up with a Letter of Intent that puts in writing the details (including the subsidies he's offered and the good faith deposit I'll provide along with a signed/accepted P&S Agreement).Finally, as you suggest, I'll try to get a referral to a R.E. attorney.Thank you SO MUCH for all your help!

-rent something reasonably nice/small for the wife and I to live in and invest in a smaller apartment building or commercial property-go owner occupied on a cheap 4 unit place(not sure wife will like slumming it-or that I would like the lack of investment/personal life boundaries)-buy a 200k house to live in and invest in a smaller 4 unit-ish sized place-buy a giant 400k house and just fund the IRA and don't bother with REI.