@Kristine Tarbell they weren’t incompetent they were dishonest

The argument could quite easily be made, "You just built an illegal 10% increase after 1 year into the lease" - telling you the whole 'pre-pay discount' is a dishonest workaround.It's a workaround, but not a dishonest workaround and it's not a pre-pay discount.

I won’t call my lender dishonest but he was not transparent with me.

(Contrary to a what seems like a popular opionion here not all contractors are dishonest.

Due to dishonest practices that were common prior to the housing crash, appraisers and lenders are under considerable pressure to not misrepresent information.  

Your beef is with the dishonest seller. 

Zach is correct in his reply and to elaborate; the issue is a lot of individuals come here who don't know the market, have bad relationships by being dishonest, then carry the same unethical business to other cities.

I have 200 units and the Lake County Judges are tired of these dishonest people taking advantage of us owners.Swanny

Backing out is dishonest, breach of contract and potentially opens you to fair housing complaints.

BUT, watch for it to return in 'small print' hidden in a non-related Bill, or an Omnibus Bill, or the like, and WILL INCLUDE some provision that will effectively insulate the 'elites' from the effects of it, while taxing those of us who have been designated as 'undeservedly too wealthy' (which will become a synonym for being greedy, dishonest, & racist).