. - regarding the "higher than average tax return this year" - I suggest you modify your W4... no sense in loaning Uncle Sam money interest free.  

Lesson learned - as soon as you modify something - it has to meet current code!!!! 

They can generally be called by the bank or modified at will.  

There were other reasons for me to walk...all involved me getting the return on time and money I require, but, and this should be stressed, it's a Federal program and could have been modified to your benefit since I examined it. 

Sounds like I need to modify my listing.

Quote from @Vitaliy Hayda: Quote from @Robert Ellis: I'd love to try this tool, we analyze every lot in our market under 25k in Columbus Ohio and this would be very useful. we need frontage, depth, acreage, price per acre, I can send you my current template and maybe you could modify it what do you think? 

If yes, then you have to abide by the contract the seller signed with their real estate agent or get them to modify the contract.While the Seller may have to "abide by the contract...signed with their RE agent", in terms of paying or not paying a commission, the rest of the terms that might be shown on MLS (or within the actual Listing Agreement) have no bearing on a Buyer's Offer to Purchase.

At the very least you will want to modify any existing bathrooms to make sure they are accessible and have walk-in showers.

In fact, I lost a deal last year because it took me too long to modify hundreds of lines of pricing every time there was a Change Order, whether from my hard money investor or my contractor. 

Lenders have slowed down their willingness to modify loans but I can tell you that the ones that we have seen this past here have looked something like this:1) Sponsor or LPs are required to contribute capital.