Monopolistic behavior, with complete and reckless disregard for the reason they are in business to begin with:  Us.  

I’m from Cameron NY as the location thing wouldn’t allow me to put my town I live in for some reason.

Keep in mind that reducing the price would slightly reduce your actual amount (because 3% of a lower sales prices means slightly less in concessions) but that's how you would work this one.

The only reason why I waited, was to have on record that we fixed the leak and they gave a warranty.

That bank is going to pull a SVB if they are actually offering those terms and aren't a scam

Actually you can make any market, okay almost any market except CA, NY, WA, IL that type of market is very tough to cash flow, but for AZ, TX, FL, GA, NC, you can make those markets cash flow.

However, after talking with the city planner, I learned this couldn't become a duplex for two reasons: 1.

Navigating the ownership structure is actually straightforward and inexpensive as well.

But I look at it the other way: be sure that your 100% recap is actually available and provides adequate cash flow to maintain the property going forward.

At that interest rate, is there a reason you wouldn't just put these expenses on a credit card or do credit card cash advance?