We dropped the last 300 from our batch and have had 12 calls already this week.Disclaimer****I will caution though that from my understanding it's not normal to necessarily get a deal on your first drop.

Contractor said its normal, but would at not cost to me come back out in two weeks and put a topcoat/seal on it, covering everything in black to make it look uniform. 

Around here when dancing on the threshold of multi-unit,  the appraisers will normally do an income-based approach in addition to comps.   

Rates in the high 3's are normally FHA or VA loans for primary residences.

How long do you normally have to submit an offer?  

If you can find a lender that will do that type of loan, you should expect higher than normal closing costs, higher interest rate or both.  

At some wholly illogical and unbusiness like thinking level, I think it fitting that the returns I've been told about are normally less for FC than for working out a loan.  

Some reasons why you might not want to:When buying a home you can either collect the commission the seller is offering and pay your split to your brokerage, or you can sometimes bargain down the price equivalent to your commission if you agree to not collect your commission, which would net the seller the same in essence.When selling your home if you collect commission you will have to pay your split out of that and then the rest will be taxable at your normal rate.

Local banks or credit unions normally more flexible than national brands and they also understand the local market and demands better.  

Depending on the type of account the lender may only use 65% of the value to qualify (normally 401k's, TSP's)