What she is asking for a down payment, interest rate, monthly payment , ballon payment over how many years, HOA fees and agreement, things like that in order to do the math and see if the numbers work?

Most math in real estate is fairly simple, so there isn't a need for anything much more complicated.

If you say comps are $250, do your math with more like $225.

I just came across this video on WSJ.What stopped me was seeing that a PRE PAYMENT on a mortgage actually reduces the value of a note/mortgage to the investor on the secondary market.If this is the case, wouldn't it follow that we need to pay higher rates to compensate an investor for that lower value?

The updates to the original post won't include carriage returnsCash Flow Expo (virtual): Feb 18-20, 2021Note Worthy Summit (virtual): Mar 25-26, 2021Diversified Mortgage Expo: TBDPaper Source:Note Expo:AAPL: Annual Conference (In person Las Vegas): Nov 14-16 MBA: Feb 3 – 4, 2021 MBA LIVE - CREF21: Lending, Investing, Servicing and Technology Convention & Expo Apr 20 – 22, 2021 — MBA Live - Spring Conference & Expo: Independent Mortgage Banks, Secondary Markets, Servicing and Technology May 11 – 12, 2021 — MBA Live - National Advocacy Conference 2021 May 25 – 26, 2021 — MBA Live - Legal Issues and Regulatory Compliance Conference 2021 Jun 17, 2021 — Document Custody Workshop 2021 Ritz-Carlton Tysons Corner, Mclean Oct 17 – 20, 2021 — Annual Convention and Expo 2021 San Diego Convention Center, San Diego, CAIMN: too many to list (www.imn.org)  They do have a NPL in Greece one coming up virtually on 2/24 (greece time)

When you and your spouse each apply for credit individually, only that person's stuff is included in the math.

Simple math says why try to talk a client into a higher priced property that results in $20,000 for my brokerage when I can steer clients to a listing that's $100,000 LESS and it results in $27,000 for my brokerage.As the (potential) client you need to let that agent know that you know this.

It's not a matter of whether the lender is willing to take more risk, but whether that loan is marketable on the secondary market and if you don't have the rebuild letter, it will be thrown on the scratch and dent heap of loans, costing the lender thousands (maybe 10's of thousands depending on the loan amount)

Please reach out if you have knowledge on actuarial math / risk assessment and excel. 

It's hard to compare just the idea of it until you do a little math.