I was talking to a government employee in a little county we own property.. this county has NO zoning None.. they have land division rules that regulate growth but not what you can put on them.it falls on this person to decide and he is the building inspector for the county.. 

Most HNW partners will want to know your deal falls within the Fannie Mae or Freddie Mac small loan standards. 

My sister lives in Post Falls.

Yes, the environment today is far different than 1993-1994.As to banking regulations, they were a finance company doing commercial loans, including mortgages, so I don't know what banking regulations it falls under, if any.

I would always have a fall-back home in the case something happens financially.

Do not come in with the expectation that the money is going to be falling all over you.

Somewhere between these ranges is where you are likely to fall. 

Ok other than putting the cage in myself and forfeiting it if the deal falls though is everything else ok with the offer?  

But especially summer as winter is dependent on the snow falling.

And yes, some “sellers” just play at the short sale game trying to just buy more time, hoping for some miracle to fall out of the sky.