@Phil CarpenterShort answer: You want to use a calculation that takes into account the time value of money, like IIR/MIRR or Capital Accumulation Comparison. 

Dresser drawers pulled out, closets mostly empty, no sheets or blankets on the beds, broken mirror laying on one bed.

Wells Fargo seems to pretend they give preference to owner-occupants, but this seems to be smoke and mirrors.

-Mirror Wrap AITD?

We also live an enjoyable life, travel a lot, give some away and look in the mirror each day and feel good.This has been a fun experience and we continue to have fun ones which we readily share on a daily basis.

Over the past few years, lending standards have loosened and just about anyone who could fog a mirror could buy a house.

My initial thought mirrored yours, but that is not the answer I got when I spoke with the tax research folks at the IRS.

He knows what he's talking about, as it mirrors my section 8 experience.

I'm having difficulty creating the hyper link, but Alyssa Strom (realtor) and Tim Swierczek (lender) have been instrumental in helping me get going.

I never allowed nails in any wall without consent, I have hung mirrors and large items myself to ensure the walls were not scared up!