My sister lives in Bothell and purchased a home 5-6 years ago for roughly $500k, a client made an offer on a beautiful Eugene property last week in the same price range that was superior in every conceivable metric.

Whatever the mind can conceive and believe, it will achieve!!”

IMO, even if you are exempt under the DF Act, still follow the intent of that law, because the predatory dealing and financing issues are not just conceived by the DF Act/SAFE Act as adopted. 

A 1% price ratio in a market with high property taxes could conceivably have a lower return than something with less than a 1% ratio in a market with lower taxes.

Isn't it possible though that the rules for WL policies could also conceivably change just as easy as a tax rate storm (increase) in the future or am I missing something?  

Probably so, but it looks like the formula was conceived based on an acceptable risk level that can be different from one investor to another.

I can conceive of the rare case where a lender with a portfolio loan would agree to a short sale without the traditional short sales process.

Basically what you are proposing is to un-level the playing field because of some notion of "fairness", where you define "fairness" as "me good, corporations evil"Sounds a lot like so many do-gooder mentality, ill-conceived band-aid ******** that ends up creating more problems than the intended fix.More govt interference is going to screw up the market even more than it is now.  

In all conceivable scenarios, three years is sufficient for them to find Jesus, get a little more honest on their taxes, and then be able to qualify for a mortgage. 

It is conceivable you could be liable for moving expenses.