Then again, the above assumes you're representing the buyer client as "their," agent and trying to make a profit on their home, AKA making an extra commission that is off the settlement statement, apart from your normal commission.

I have seen this specifically come into play in markets where the threat of hurricane or flood is higher than normal.

At #5 you need to put 25% down instead of the normal 15% minimum.

Normally, the agent is paid by the seller and so has a fiduciary to get the best deal for the seller.

But if we have a flat lot with normal set backs we buy off the shelve plans all in for 2 to 3k.

We normally say as little as possible, less for them to get upset about. 

Normally, I would jump all over it, but the tenant recently renewed the lease.

And the buyer owns a half million dollar pad and can't get a HELOC on it from a normal banking institution for peanuts interest rate and points wise. 4.

Unless you have an actual fixed "salary", your income will normally be averaged over 2 years. 

Or is that just normal wear and tear?