I concede they take longer to catch up but sooner or later they will be substantially higher. 

. :) Thank you for conceding that there ARE tax consequences for cost sharing.2. $200/mo plus split of taxes, insurance and utilities - which one is it?

You already conceded the point that leasing long term is not cost effective and I should have stated in my original post.

I will concede not all ABS is alike..

Most sellers are less likely to concede much for repairs if there has already been a large concession up front.

There's not much point in barking up the tree of a third, fourth, etc, at some point you have to concede that per their appraisal rules, the thing just ain't worth what you think it's worth. 

If you have a house that rents for $2000 a month, this is going to take a bigger hit on margin during a downturn than say a $600/month unit. the further your price is from the market average, the more you'll have to concede. what's the likelihood we have a correction worse than 2008 though?

She is making the rules so you either play hard ball at her level or concede now.  

I know you already conceded you were not going to try this and that is the RIGHT decision, but I want to make a simple observation here.

Real estate is about relationships and when I do something as you are by proposing a new venture with someone new, I am willing to concede a little bit more if they are someone I think I want to be able to go back to at some point.