If inflation is accepted at the current 7% level, adding 15% means we must earn 22% after tax.

If you don't feel like reading my life story, feel free to scroll down and just check out my first deal, my first offer ever was just accepted and the wife and I are over the moon! 

A good buyers agent oftentimes can get information from the listing agent that will help make sure your offer is competitive without overpaying......or make it stand out in a multiple offer situation so that you have a better chance of the Seller accepting it. 

Do the 1% -2% test.

Any recommendations is gratefully accepted. 

I can't believe there isn't any specific case law or examples of this being tested to know for sure, but I sure can't find any.Anyway, thanks for the feedback!  

The initial offer was accepted.

Is it ever acceptable to move any of the saved money for vacancies into the income category.

I suspect that most are very similar, but obviously you will still want to study the state specific portions for the exam and take some state practice tests ahead of time.

They are generally correct in stating that the type of resident they accept would dictate requirements needed.