Our title company will allow us to do a dry double so long as we inform the seller that their funds are coming from a third party.

Run the numbers of the comps, call the previous buyer and seller agents for those properties and ask them why they think the property came in at the value it did, and have that data ready to provide to the appraiser for the appointment.BUT -- don't make it seem like you're trying to tell the appraiser what the value is.

They had no business motive in making the loan to Steven. 

I concentrate on flips because it is a sellers market and I do my own work which keeps me happy and eliminates a lot of competition. 

Clearly the seller / agent is someone who know how to prepare a sales brochure but needs to double check their math.Hope this helps.

I have been considering getting my hvac certification cause of all the money I spend on a/c contractors.I suspect 5 years from now there are going to be a ton of motivated sellers trying to get out of all these low cap rate, marginal deals.

Do I continue with the deal knowing that the cash flow is lower than expected but just get into action or wait until another deal and continue waiting knowing it's a sellers market? 

In most cases, this should serve as Bonafide Proof of what the Property is Worth, as it reflects what a willing Buyer and a Willing Seller agreed to on the property - thus that is the textbook definition of Value.     3.

Am I able to submit offers to the sellers agent without using my agent?

I recently started listening to the BP podcast and I’ve become extremely motivated to start diving into real estate investing.I’ve been sitting on the sidelines for about a year because I’m younger, 24 years old, fell on hard times (injury put me down for 7 months), I fell into a fog, trashed my credit, foolishly filed for Bankruptcy even though I wasn’t in a massive amount of debt (30k) and I ended up deeply regretting doing so.