Rational thought should be used.

For example, if I purchase a business (easier example than a building..) in an OZ for $500k, but only $100k/$500k of the purchase funds were sourced from eligible capital gains, then I would only receive a 20% FMV step-up when I sell the property 10+ years later (100k/500k pro-ration).

That seems to be a reasonable and rational approach to take, and will probably yield a highly accurate evaluation.

When i go through the bank they are lot rational thinking and not as emotionally invested.

The cost of "their" electricity usage was about what I was already paying my utility company, and I could not rationalize having the equipment placed on my roof to pay what I was already paying.

You see their comments won't be driven by rationality or anything you are doing--but  more about someone's insecurity with your ambition or direction.

What are the ways socialized medical systems try to reduce costs – Rationing is one of them.

Another aspect, are the units apartments where tenants live side by side or homes where one tenant will not meet another, consider the grapevine and aspects of what's good for the goose is good for the gander, treating everyone fairly, equally, but that doesn't mean you don't have leeway.A good term to use is "compensating factors" so, someone who has had the same job for 15 years, has disposable income may qualify at a higher ration than another with 2 years on the job, lack of credit and is stressed at ratios.

I appreciate any thoughts on this.Thanks,Lesley Rationalization is the most expensive word in the REI dictionary.

Rational due diligence will separate the good companies from the hucksters.