She has helped me win on multiple offer without being highest and best (there is more to this game than just money).

Then you must do a couple other things to ultimately win the game.  

She got plenty of business, as we only did it with extra furniture (so any money was a bonus versus having to pay storage fees) and because my wife also has her real estate license, she could offer full-service listing and staging.We only did this for a few select investors who we had a great relationship with, but it was a win/win all around...

The more you insure for, the more they win.

We do periodic inspections and charge for damages as the occur or as they are discovered.

Answer - Don't use this one.Recast the loan adding the repair total to the loan amount so it looks as follows:Loan Amount:  $15,460 (rounded up)Rate: 8.0%Am/Term: Plus 12 months (60 months for this loan again)P&I Pay: $314LTV: 77% (at $20k ARV - 62% at $25k)So, with the right kind of creativity, you can 'actually' create a real win-win and not just talk about it.  

After honing your skills as a nose-to-nose salesperson, learn how to multiply your sales efforts and clone yourself by becoming a skilled marketer and effective copywriter.Eventually, you are likely to discover a niche that you want to further explore and gain expertise.

Contingencies do weaken offers, but their purpose is to provide a safety net for what you might discover in due diligence.

I never ask any absurd numbers, my goal is to make a winning solution for both parties.

Price wins over thickness when installed.