They don't understand the math behind any type of financial formula, so they have no idea how to make adjustments to it that allow the deal to work in their favor.I think a big part of this is the generation we live in/with, that is looking for instant gratification. 

I get it, no post history.

I send it with USPS proof of delivery but no required signature verification.

Usually, lenders don't want to write mortgages that small at all - no matter what your qualifications are. 

It worked fine for basics, and I even did some barely passable permit drawings on it, but it is by no means pro-quality.  

This strategy has been able to help homeowners get out of situations and mortgages they can no longer afford.

They will likely know of your property, or at least be able to get an idea and let you know what they are seeing in your market for your quality of space.As for how to calculate, there is no set strategy.

I was told the red tag was placed due to no permits but I myself have seen the permit for this place on the interior wooden framing prior to the Sheetrock going up for the walls inside.

But then, I just read the signs of the times, no special insider knowledge.

Aggressive marketingWe currently have a fairly aggressive marketing strategy but there is always room for improvement.With the current NAR settlement, we will no longer be able to market commissions to agents on the MLS.