But it's mega loan servicer Cenlar who endorses the back of the checks, and after a thorough grilling I got a person on the other end of the 1-800 number that answered as WF to finally concede that their W-2 and paycheck says Cenlar on it, not Wells, even though they answer the phone as if WF employees. 

(I concede that maybe what they are currently doing IS the best method, but “stay the course” is not the right answer for everyone… some people will need to upgrade!

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.