Most of the previous posts not withstanding - Nice post and explanation, @Jason Timmerman.

Thank you Jennifer for the explanation.

Thank you BP family for all of your explanations. 

Well explained , thank you so much, I didn't know about " the non recourse lender", that's awesome , 50% of my portfolio is in 10 y arm, which by than , I will sell them or 1031 exchange, but my cash flow is greater, I do send money to the principal as well.Thank you again for the great explanation

Julio, thank for the explanation. 

Even a few days ago apparently there was an extra $500 sitting on the table with my current rate and all the seller concessions allocated so I asked if the appraisal could be reimbursed so now I'm am confused as to why these latest numbers have me bringing ~ $1,400 more than my down payment to closing.Any advice is appreciated as I wait for an explanation from the lender. 

Happy to answer any questions and offer a more in-depth explanation of how this works and when to establish this strategy.

You need an explanation from your PM.

Although the clients were satisfied with the answers we gave them during the consultation, I thought it was essential to create a repository of explanations on why choosing a real estate agent is always better.

Armed with that you can give them an educated counter-offer with an explanation of your numbers.