I have done 100s never using anything but a calculator, 99% done in my head.   

Can't push the seller in order to "get what you want"...that just proves the seller does need the agent to protect him from getting taken advantage of.I'm not trying to be a "butt head" to you, just giving you my honest opinion. 

There is no point in buying a rate down in this environment, take no prepay or short prepay option, then refinance when rates drop, no need to spend the capital when it is clear we are headed down in the nearing future.

I’m not sure if you knew that was an option, so just a heads up there.

But for a roof over your head THAT, that's the guy who's "sticking it to ya" and damn that crook to hell....... 

Is it worth it to put an a minisplit (2 bedroom so 2 or 3 heads?)

Who appoints the Head?

Economists:It is said that there are 4 phases of a real estate cycle: (1) RECESSION (supply greatly exceeds demand and high vacancy rate); (2) RECOVERY (rental growth remains stagnant with little signs of new construction but the economy feels like it is headed in right direction); (3) EXPANSION (job growth is strong and increased demand for housing. 

Keep your head up, you now know you need to bring more capital. 

It's a great idea, especially as we might be heading into a recession and people are going to be looking down a level in rent from what they might have otherwise.