We ask questions that quickly determine whether the owner is a "dog person" or not - who is the dog's vet, where do they take the dog for exercise, etc.

However, if I don’t exercise my option, I would notget that money back.

(Or lose all of their non-refundable $26,600 if they choose not to exercise their Buy Option)?

(The hose would not get disconnected from the wall drainage hole unless someone physically removed it and failed to put it back).

The idea is that as well as a normal Lease, a SEPARATE "Option to Buy" Contract would operate concurrently, which would comprise an agreed Purchase Price and NON-REFUNDABLE earnest deposit that would be put towards that purchase price IF they exercise their Option at the end of their normal Lease.

In this situation there could well be something with the property - physical condition, title issue, etc. - that explains the gap.You might also look at other properties for sale in the same neighbourhood/area - if there are similar differences between the listing price and the tax assessed value, then perhaps the neighbourhood is in decline (you would have to look at adjacent neighbourhoods and over a series of years) to make such a determination.

I'll scan that loan file into one PDF and put that PDF into my "Cold Files" folder on our secure server the same day I issue the preapproval, and typically shred-bin the physical file right then because it serves no purpose and just takes up safe space in about 95% of cases. 

Most of my good leads have come from the physical sign and the major listing sites like Zillow.I noticed that Cozy has an option for you to set up a listing and have it sent to Realtor.com.

Every morning she wakes up telling herself she is going to exercise and stick to her diet.

As much as physically possible.