Then I would make another list of things that are important but you would be willing to concede for the right deal or opportunity. 

I would start with $50 rent reduction and move up from there to what you are comfortable with conceding.

Then be willing to concede on the nice-to-have's.

Back to the original "you'll have to do better than that" if the seller does concede price.

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..