We opened escrow, did the title work and got a bank appraisal (which concluded that the present value of the property equaled the purchase price).    

That being said, money is the great equalizer and understood by everyone in all languages.

Let me know what you think.As a matter of information, smoking is prohibited inside our rental units.If you decide that the apartment would meet your needs and wish to proceed with the application process, a “deposit to hold” binder equal to a month’s rent would need to be collected at that time.

Anyway, all else equal, you can’t guarantee that anyone who shows you the house while working for the seller would not disclose your info like you’re really interested (and more likely to accept a higher price).

BUT, I'm thinking about moving to a different market.Indianapolis has a special real estate tax equal to 2% of appraised value for non owner occupied homes.

#1, 2,and 3 (all equally important because they rely on the other two for their success):  Market Analysis; How Money Works; What is, and how to develop a REI Plan#4:  Understanding what "Risk" is to a REI#5:  Understanding why you Never, ever, want to "spend" your seed money....use it to infinity, but under no circumstances do you ever want to "spend" it.

Add all those up and it equals 127.

All else equal (assume a SFR or 2-3plex, not a crazy cheap or crazy expensive market for operating costs), do you have a schedule of what rule applies to what purchase price band? 

Also, understand that not all loan officers are created equal - BofA might offer you the best rate, but you can have vastly different experiences depending on which BofA rep you're working with. 

I want a refi with the lowest possible rate and am willing to keep monthly mortgage payment equal to or below my current pre-refi loan which is $1420.I have 17 years remaining on current 30yr loan @5.3% interest plus an additional $19k @8% HELOC w/$19K balance.