My last experience trying to refi was that they started with the number they thought it should be and fudged the data to arrive at it.

Possible issues, you tax basis is inflated, or can seen to be.I'm not basing a loan on an LTV with you walking out with cash or seller concessions.As a seller, I don't think so, we will have to arrive at a different price.Look to any "net listing" issues, your client is receiving a net amount.I suggest you terminate the listing and then deal for yourself, simply disclosing you are a licensee.As to the HUD-1, aren't you meaning a Good Faith Estimate of Settlement, (?)

It was a good school for a newly arrived individual like myself.I hope I meet a lot of same minded people, and connect with different professionals.

This is more of an effective way to find probate leads.Or grab the San Diego Tribune or on-line http://www.legalnotice.org/pl/sandiego/ and look for "Notice of Petition to Administer Estate" to start your path of least resistance. 

I would definitely explore that option if I had that available to me, but being from Australia and living in SoCal since arriving here has made exploring out of state much more difficult. 

Tom, amounts in arrears will be shown to arrive at a current amortized amount due, you would add them.

Any way, like the salmon I will work hard to reach my goals but unlike the salmon I will not spawn and die a week after arrival.

Perhaps include some documentation with your offer laying how you arrived at the number you are offering.

I am hoping that prices don't go up once spring arrives....$100 per door doesn't seem too stringent- what numbers are you using for vacancy, repairs, and capex?

We came in from NC with a little stop in CO so were very discouraged at the pricing they had when we arrived.