If they don't match that can be something substantial to follow-up on.  

This makes me wonder whether my analysis are reasonable or whether my expectations for return actually match local market conditions? 

So leads me to two questions:1: if it's a bad time to buy a primary residence; why would it be a good time to invest in REI - aside from possibly following a DVA approach to REI like I would stocks for example.2: waiting feels like I'm going to 'guess the market' - I'm not certain that housing prices will fall all that much, perhaps they just flatten out to match inflation (as I've read for my market due to strength) and I'm fairly confident that rates will creep up.I would not purchase a home that has a monthly greater than 25% of our net (and this is after maxing 401s).

We enhanced this coverage form to match that of the building (all-risk, replacement cost).

Glad to see the yellow letters are matching that, because I might make the switch from doing them myself soon.

Looks like you matched the kitchen and bath. 

I'm looking for a way to reduce profits into year end and the concept of retirement savings plan matching made sense.  

In my case, the appraisal did indeed come in lower and so my 3.5% was forced lower by the lender who forced us to lower the sale price to match the purchase price.

That matches the advice I've been reading.  

Option 2 is to wait for my bank to help match my savings.