We like to give very detailed quotes up front explaining known fees such as origination fees, any underwriting or processings fees, and estimates on variable fees such as escrow fees or title fees.

That being said your feelings probably correlate to things that are not discriminatory and if you can explain your decision that way you should be able to defend yourself. 

Explain the seller carried note.

Make sure it explicitly explains the process for termination if you are unhappy with their services, especially if they violate the terms of your agreement.3.

You can explain that any changes to the lease must be carefully considered, as you want to maintain the original terms that protect your interests.If you decide to allow the change, you could draft an addendum stating that each tenant is responsible for their own rent.

My banker explained that they went to the board and they had turned down the loan.

@Kayla Palmieri read the contract or have your buyer’s agent explain thoroughly as some inspection contingencies require a licensed home inspector actually inspect it, and some even require approx cost of repairs and if seller agrees to that amount then you cannot exit for inspection contingency.

If she doesn't qualify with that particular lender, they should be explaining WHY. 

Everytime I try to explain my methods to her, she doesn't understand at all what I'm talking about.

Due to the extensive work needing to be done the seller is willing to negotiate the price from 110k - 125k once we have properly explained the work that needs to go into it.