But both you and Ritholtz are exhibiting a fundamental misunderstanding of the way banks make their underwriting guidelines.

You are the property owner and you make the rules (within the law), you cannot them misunderstand the situation and think they are calling the shots.

I dont think that particular title company i was trying to use knew what they were doing, or maybe it was just a mis-understanding.

Misunderstanding among the parties involved.

Thinking through the backend, I'm sure you can have something put in the listing stating closing date no earlier than XYZ date or something along those lines to save any hassle or misunderstanding. 

Thats because you misunderstand what an appraisal is.

In short the whole thing was a misunderstanding.

It is not meant to evaluate the cost of money so to suggest so shows you misunderstanding of its use.

I can outline what DHM does and address some of the common misunderstandings people have about us here.

I don't know if maybe I am misunderstanding what I read.