Keep in mind that your refi options change dramatically once you do move out because you will loose the option to use a homeowner's refi and the much better rate that provides.

I have done everything within legal bounds correctly and have all the evidence to defend the deductions. 

You don't have deal with contractors who may ghost you and bring to screeching halt your renovation project or loose your sleep over ever changing market conditions.

With cash, you keep more of your return and maintain a simpler cost structure.Greater Flexibility: When you own a property outright, you’re not bound by monthly payments or lender-imposed deadlines.

Chances are they are just wasting their own time doing this instead of just being honest and not trying to overstep their bounds in every forum.

The wall should be very sturdy and not feel loose due to wood rot.2.

I consider that the upper bound of reasonableness.

I don't want to ask for an unreasonable reduction because I might loose the deal, but I also don't want to be short changed.Love to hear what y'all think.

It's a place to run to when all hell breaks loose in the U.S.

If I had done no value add, he likely would have continued to have been fine with the agreed terms (it would have been loosing thousands every month due to reassessed property tax and drastically under market rent).