They are usually done by a block method using square feet, they don't have time to look at each property so if you bet on that value, you'll be wrong, it's apples and oranges.If you don't know what value is based on and the 3 approaches used, you're not even in real estate, you might be playing some guru game playing house like a 5 year old girl, just trying to play with bigger houses.

Well played, Mr.

Do you still "play fair" and wait the three more days to show it to Person #1?  

. - one time expenses can be removed as long the correct documentation is provided so make sure to keep all your invoices and capital expenses not just for us but for your accountant as well so they can create your depreciation schedule during tax time- The 7 year Fridge if depreciated, can get added back, however sometimes new equipment can be expensed completely as bonus depreciation depending on the tax incentives during the year so check with your accountant on what the options are.

Am I just playing the semantics game or is there a valid difference?

Making money is just a (big) side bonus.

Assuming DTI is most important, I’m not sure how savings/downpayment play into it.  

Marcus Simon which neighborhoods are you playing in?

Your credit eligibility does not come into play here.

Sounds like an uneducated agent and a wholesaler playing games.Likely when based on a close to full price or full price offer there was enough in the deal for the wholesaler fee and the agents commission to be covered.Now that you want to buy it at a severely reduced price the wholesaler is trying to trim the fees to still make it work.This sounds like the wholesalers fault for not getting the property under contract cheap enough.