What you went through is so common in lending and it's why there's so much frustration towards banks - and rightfully so.  

But it's not common to raise a lenders LTV simply based on it being a good deal.

Which is common in our market.

Try this for water and sewer:  http://www.cityofbellbrook.org/upload/common/utili...

It does have a significant advantage over the more commonly used 1031 exchange to move cash into a new property without paying taxes on the sale since the 1031 just defers taxes while the CRT eliminates them.

Told attorney, who told process server, you need to talk to landlord about access to the common area of the building.  

Generally common area for an HOA is on the plat.

We have seen few deals already and never seller insisted that the deposit be without loan contingency.How common is it?

He also segregated all of the common areas into rooms ie.

If not, feel free to move to the appropriate place.I did what I'm sure is extremely common here... last summer after 8 years in my former residence, I just randomly saw another house nearby that I really liked, and bought it.