I know the holidays can be a sensitive time for people, especially those in tough situations.

Some contractors even specialize in rehab-type production and are generally more sensitive to the need to offer high quality at lower cost because it keeps them busy - it's production work. 

One sensed that you were more rate-sensitive and showed you a lower rate scenario, the other sensed that you were more fee-sensitive and showed you a lower fees scenario.

But whether such a move is advisable is a different question (and one that is sensitive to your own personal situation).

It has been like pulling teeth trying to get the seller to produce the lease and tenant's contact info.

I have tried reaching out to local attorney offices and they will not take my info down because its a really sensitive subject. 

Most banks would  not intentionally  try to cheat a customer in such a way because it would damage their reputation, which is something banks are very sensitive to.  

Trash can and you'll have a better chance of using hen's teeth as collateral for any mortgage loan in selling it. :)

He wasn't terribly friendly and he had a lot of tattoos and no teeth.  

Giving sensitive information needed for the loan process to someone with an LLC (which isn't difficult to make) that I can't validate seems rather risky, thoughts?