If you hinder your defense mechanism Rich, I would love to find an answer to this, which is my ONLY purpose in my responses in this thread.

Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment."

So anytime any work had to be done to plumping, run phone/cable lines etc. the ceiling had to be damaged to gain access to the mechanical's of the house.Also, it was carpeted and about once a year in the spring moisture would seep into the basement and I would have to be diligent to get it dried up or otherwise it would cause mildew/moisture issues.

I tried the cheap route, I ended up paying more because that cheaper mechanic used a non factory part.

If the wholesaler is using a double closing or some other mechanism to hide the actual fee from the seller then I have a real problem.  

Maybe going to a trade school and learning to be a plumber or auto mechanic or dental assistant is a better fit.

I'm not saying there aren't stupid people out there, but one would have to be pretty thick to not consider a host of other factors when buying, most importantly your items #1-4.On these forums the analysis emphasis is often slanted towards the numbers, perhaps because the numbers are the only part of the deal that can really be parsed on paper (or virtual paper!).

Do it yourself and use that time as the time when you walk the property and check out the basement mechanicals every week.

They tend to treat the products as interchangeable.There are vinyl planks with side adhesive strips, there are planks with full stick-on adhesive, there are planks that require full adhesive install (glue down), and vinyl planks with different sorts of click and lock mechanisms that float, with no adhesive.Absolutely call asap.  

I did find this:A Primer on the Mechanics of Residential Mortgage Financetoday that describes many of the different types of mortgages.