Put in a penny over and JP could toss the whole thing out or let you modify to reduce to below $10,000. 

Plus, I was able to send all of the same information to the bank again, CCing the appraiser, so the bank knew I wasn't modifying or changing any of my original information due to the low appraisal.  

Sure I could take one from a previous deal and modify it myself, but how excited will my attorney be if I come to him for help on a deal that is going bad that I closed with HIS document?

If the series of substantially equal periodic payments is subsequently modified (other than by reason of death or disability) within 5 years of the date of the first payment, or, if later, age 59½, the exception to the 10% tax does not apply.

If the inspection turns up any unapparent defects you modify your offer accordingly.

We verify everything listed on their application as well as a handful of other questions (using a modified version of the one from BP).

Quickbooks is great and if you want to download your quickbooks data to Excel it takes but a few keystrokes...then you can modify your Excel for any additional info you need to expand upon.

I just posted this on a similar post, but will modify it for your specific situation:Allow me to be a counter-narrative.

I think that maybe the metric could be modified a bit to make it applicable to the individual investor. 

There isn't much need to modify unless you are targeting lower income areas or subsidized housing but even then I'd be careful.