My problem with 'discounts and appreciation' is they are vapor-money, non-spendable assets and the only way to use them on a deposit slip is to sell. 

This paper backing is a vapor barrier and will trap moisture in the attic and you will have mold from the moisture trapped by this.  

I live in a humid place, and while all my rentals have more than adequate ACs to stop this issue, my primary home is a historic sieve-like vapor collector which laughs at the AC.  

It already has the vapor barrier and sound insulation and sells for about $1.80 a foot. 

The entire crawl had to be treated total cost was 2500 for a cleaning treatment, remove old vapor barriers, and install new.

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.- the condensation on the walls or windows is primarily due to inadequate insulation and dew point problems caused by cyclical air temperature changes in the home.These problems can be solved with the installation of a proper dehumidifier, improvements to insulation and properly utilized vapor barriers, increased air circulation through the use of ceiling fans, proper furniture placement (not right up against exterior walls), etc.

This was not a problem, as equity untapped is a vapor.  

Even slightly overpaying, means you have vaporized the "savings" of the realtor fees.3) Appreciation is good and we probably have a couple more years of it on the way.

One month she paid late so her balance due is $840.