This mindset is usually not the best for making rational decisions.

If the amount of your capital gain triggers AMT, then you may get surprised by an unexpectedly large tax bill that could have been avoided by rationing your sales over a few years rather than all at once.

Rationalization is the most expensive word in the REI's vocabulary. 

Whether the lender or insurer actually follow-on and "catch" you is another matter, but the possibility of unpleasant consequences is there.Another thing to consider is that you may only hold a single CMHC insured high-ration residential mortgage at a time.  

Stop and think rationally...You need to take the time and rationalize what you are about to do next.

Negotiate ~3% using the rational that you will be able to deposit the money and earn exactly that in interest, so in spite of inflation being a continuous reality you can save them money and cause yourself no detriment.

Be straightforward, calm, rational, and give folks a path to compliance and a mutually beneficial solution.

Emotions are a variable thing but if you make a legitimate offer based on reality its all you can do.The flip side is she may not be rational...and nothing you do will matter.  

It used to take me no effort to rationalize that I was doing the sellers a serious service by taking their less than desirable real estate off their hands.

And that's what I would tell anyone else about my can't do attitude of recent...it's just not me and hard to rationalize with myself in this state.I do need to breathe.