If someone can't convince another on the merits of facts and logic, they repeat rhetorical opinions, no offense intended but your position is failing without evidence.

Look throughout the Palin thread and you will see every attack on her by every self-proclaimed and self-evident liberal is laced with the "we are smarter" mentality.

Not that I don't trust you, but please provide evidence to support your statements.

Once they have evidence of a problem, in most states, they are legally required to disclose this to future buyers.

If there's no evidence to support the calculation, you'll have a hard time defending yourself from any inquiry.So when I say allocate more basis to land, what I really mean is, among those four primary methods I mentioned above used to determine basis, choose the method that produces the highest land value. 

You spoke with 15 lenders that also didn't present the option (who presumably have the exact same license that I do), evidently they are in agreement with me.

If there is lots of hardscape and/or no evidence of a leak, you'll need to call leak detection service.  

If you have photographic evidence of the dog on the premises mention it or include it. dog needs to be remedied in x days.

If they can't provide sound reason or evidence for refunding only a partial deposit then they're probably trying to take advantage of the tenant.Justin

The HUD-1 must show no evidence of a lien, and it must be signed by all parties.Your lender will also verify that the original transaction was arms-length.