Get their opinion, decide how much weight to give it, but don't use it as a substitute for your own diligence. 

So with that I should ask for 100k reduction in the cost.

The money investment sucks, but it will definitely hold more weight in court than the "he said; she said" option.

There is some weight in being able to say "hey, I make the rules around here, and have the final word".

With that, here is the calculation:Purchase Price = $385,000Down Payment =$77,000Loan Amount = $308,000Gross Income = $51,900Less Vacancy of 5% = -$2,595Effective Gross Income = $49,305Gross Rent Multiple = 7.42 --> Use this to check and see if GRM is in line with similar propertiesExpenses (Using your numbers mainly):Property Taxes = $6,300 Insurance = $1,500Heat & Water = $8,000Maintenance & Repairs = $2,595Total Expenses = $18,390Net Operating Income = $49,305-$18,390 = $30,915Cap Rate = 8.03% --> Use this to check and see if cap rates are in line with similar propertiesSubtracting Annual Mortgage from NOI = $4,819 in net cash flow or 6.3% cash on cashAdding back principal reduction, gives Total Return of $7,603 or 9.9%I look for a minimum of 10% on the Total Return line (given the expensive real estate where I live).

@Steve Vaughan I did see the Rescission section of the loan along with the 10 year draw period but maybe I didn't give them as much weight as I should have. 

Our debt is typical but is a weight my wife and I are both sick of.

Debt reduction can be done is a surprising little time on the right plan with the right motivation.

Also, the Spring taxes earn 5% per annum just as the overbid, and adds weight to the redemption amount, so do it!

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