They might be lying to you, or not sure exactly how much. 

However, I would be lying if I said managing 22 apartments plus our SFRs is a trivial task while working 50 hours a week, helping the kids with their homework and activities, having dates with my wife, being active in our church and neighborhood, etc., etc.

Even with loads of research I would be lying if I said it did not hit my checkbook occasionally though.

We do invest in many of our own deals and I think a wholesaler would be lying if they said they don't cherrypick their best deals.

An experienced investor will dig into the numbers with a treasure hunter mentality, rather than expecting treasure to be lying around on the beach.Buying a property that needs little or no repairs, has positive cashflow, organized books, and an excellent marketing presentation is not a value-add investment, it’s a turnkey investment.There is nothing wrong with turnkey investing, but you can save yourself a lot of frustration by acknowledging that you expect turnkey bookkeeping, condition, location, and cashflow rather than a value-add situation.To be clear, simply being a value-add property doesn't make it a good investment.

So there's no chance that the realtor representing the owner could be lying to me regarding the mortgage payoff with the intentions of 360k being my lowest offer?

I don't find the banks to be lying, but I rather find them to be a bit cunning...Am I missing anything here?

While I've negotiated a lower fee with my agent, as I'm a repeat customer, I'd be lying if I said I haven't considered the even lower fee options that are cropping up.

Unfortunately, expect to be lied to.

You’re saying she lied to you, a copy of the original lease should give you more leverage and context for the things she’s likely to be lying about.