Make it sound like you think he is right, and that there just has to be something you're missing.Trying to get people to justify their price without being combative is a great way to make them rethink their numbers.

If you want a legit proof of funds from a legit lender you need to cultivate a relationship with a legit lender and ask them for one.If your proof of funds is some anonymous letter from the net or from someone who is not really your lender it is fraudulent to provide it.

They have bank regulators breathing down their necks and must underwrite loans conservatively or lose their jobs or worse yet be accused of fraudulent activity by the feds for not following protocols and get into legal trouble.

It's a legitimate procedure post tax deed sales here, and generally used to correct mistakes, errors, or fraudulent acts.  

That way you are not combative but you reinforce to him that you are only going to pay what the numbers warrant.

My comments might be better understood if we to say, fraud is illegal, by itself it is a violation of law, incorporating fraudulent schemes or aspects is a predatory practice, a predatory practice is not necessarily fraud. 

Not to say I do anything fraudulently.

I'm an avid hunter/outdoorsman, served two combat tours as an Army officer, and am now relocating the family to our dream home on 50 acres where we plan on raising our kids.I'm always interested in meeting new investors, in sharing the experiences that I gained while in Phoenix over the past couple of years, and in growing my network in general.Best wishes to each of you this Christmas season!

To try to combat that I'm having them send me detailed pics after every move out so that they would have a harder time justifying say ten hours for clean up when there is some light cleaning to do and a few bags of garbage to take out.

There are lots of legal ways to structure things that otherwise could be considered illegal, fraudulent etc.