And yes, caving to their demands only increases the chances they'll keep nibbling away, because you're showing them it works.One counter-tactic to the Nibble is Quid-Pro-Quo: Extract a concession, no matter how small, for every concession requested.

I use the analogy that the small investor uses a carving knife to extract as much profit as possible from a particular asset whereas a big bank uses a meat cleaver because that's all it can use and that's all that it needs to make the profit it needs from the large amount of assets it can acquire at the lower prices it can acquire them at.

If it's any consolation, if they paid a locksmith to replace the entire lock rather than just extract the key, they got ripped off

That's about 1.5%For lower rents, its harder to extract that $100.

Bad partnerships are another one or a partner needs to sell off their shares so on the sale will let more of their equity go to do a quick sale to get cash.Some commercial developers will sell at higher than market cap rate to move product quickly as it is a volume business to them versus a one parcel owner trying to extract every cent out of a property.So based on experience I know there are sellers who will sell at better than average market rates due to their unique and individual situation.

All these type deals, such as fractional ownership, time share, vacation clubs, condotel, etc have a common element…..whatever investment profit existed has already been extracted by the sponsor.  

When I think coupon rate I think of bonds:Coupon Rate Definition To MeI am sure there are other parasites that extract yield spread and such for a mortgage.

I would not recommend extracting a list from the total list because you'll have issues with duplication or inconsistencies if you ever add to the list.

It's not quite as good as just looking at straight payback period due to the time value of money and discounting future cash flows (or cash savings in this case).If you're planning to hold longer than 5 years, and you don't expect to refi in that time period either (to extract cash or to get a lower rate--not likely), then paying several points is typically advantageous.

I examine the email contents to extract pertinent information in regards to the property.