It's usually pretty close to a wash, or when I hold the rate constant it's like 20 basis points (to price, not to rate) or something trivial, coin toss which will win on any given day.I prefer to have my direct lender hat on to my broker hat when working on REI deals (not licensed in your state, don't actually bother PMing me) because your situations are always wonky and I need that direct telephone/IM/email line of communication to the assigned decision making underwriter so I can go over your net loss carryover, or weird Schedule C, or funky deposits, or whatever it is, with her and get it resolved in 5 minutes rather than over the course of 5 days of emailing back and forth through some intermediary. 

We have lake waco, brazos and bosque river for water supply and many deep aquifers.     

Usually, more supply comes onto the market, while many potential buyers are away on vacation.

Had to rent a U-haul and get cleaning supplies and got my hands dirty.

As for doors there are options as well, call your local door hardware supply house and they can help you. 

Does not answer through phone, and sometimes takes over 3 days to respond through email.  

Some offer value, some offer the same chewed up garbage that's made the email rounds.

I recommend responding to the loan officer through the email where she wrote that 2 appraisals would not be needed.  

You can PM if it's easier and I can shoot you my email

Hi Michael,Shoot me an email or a private message and I will give you all the details on the portfolio lenders that I have a relationship with in Desoto county as well as how they typically operate and what they require.