I've read that I need to build a case with comps that have sold in the neighborhood, but the best comp is the actual purchase of my property as it's the best evidence of the true market value.  

I also missed a small amount of termite damage that was dormant but under Indiana law, if there is no evidence of treatment in the last five years, it must be treated if there is any damage.

Basically, I am hearing conflicting reviews from two camps each with their own substantial repository of evidence.

There, you should find evidence of the newspaper notices.

I'm very new, but even to me it's evident that in this economy, buyers/investors are coming out of the woodwork.

There has to be some sort of court document mandating this deduction, unless the employee has agreed to allow a certain amount of funds to go into a identified account which evidently will be paid or use for their rent purposes.

Keep in mind that the deepest purpose of these records is a trail of evidence for you to use in the event of an audit. 

I am, however, very skeptical of seeing no tangible evidence that they know what they’re talking about before the transaction.

Then we totaled our car, and despite having email evidence that I authorized adding comprehensive coverage to the car because we kept having to dip into our EF for the house (which was riddled with issues - long story), the vehicle was not covered.

A few things that are evident to me, makes me believe that No, you are not getting ripped off and that you actually have a good loan, but again, making assumptions here.