I will concede that the FHA is more vague about the issue.

They are only asking for you to concede because all they are thinking about as their risk is that $1000.

If/when we concede that the data supports this conclusion (Real Estate Market trends are Credit Market driven) we can then look to the credit market for clues to the future.Don't forget to show your work Ben :)

Of course I need to concede I am not in California and I know the rules of logic often don't apply in that litigious climate.

If Fed concedes no Bust yet.

I definitely like zoning, but I concede that your point has validity.I don't think we agree about the origins of the ADU bill, but I'm only speculating that it's do-gooder libs. 

So I decided to swing for the fences and see what the seller would concede to.

First, we would concede that over a 39-year time horizon it is highly likely that the value of the property would easily cover any net profit losses, though that fact would not necessarily effect cash flow needs.

This can be very challenging but if you hold their feet to the fire they will eventually concede and you will be able to move forward.

And you STILL came out ahead, it probably did indeed double in value.At some point we must concede that it's not "luck," the dice in the SF Bay Area are quite loaded, and they are loaded in favor of property owners.