I can't comment on the analytic model used by BofA, but I do have a viewpoint on the health of the Houston market.  

If, when you do your due diligence on a property you determine that $X are needed immediately for health and safety work or obvious near term repairs, it is not uncommon to ask the seller for an abatement / reduction on the agreed upon price.

Frogtown/thomas-dale is supposed to have several communities attempting to revitalize it (habitat for humanity) and it may gentrify some day being next to midway but its got some major problems and the housing stock is generally pretty terrible.

I'm not saying we have to be perfect, we as humans are flawed, but we also have to strive to be the best version of ourselves to allow for the right people and opportunities to come into our lives....So we open up ourselves and have a free flowing energy that lets the universe give us all that we want and be able to manifest and become the person we always knew we could be. 

They are refusing to come back to the property due to Lead Paint (I think you remember my post), but the child is under state levels, the state health lead coordinator stated that they are safe to live there, the town health office said they are safe to live here and we have no legal obligation to pay for them to live elsewhere, as well as the child's pediatrician saying it is safe to live there as long as they continue to keep the house clean (which they want us to pay for cleaning services to keep the house clean and free of dust).

Use a mortgage calculator, much more accurate than humans, but that information should be public unless she bought it from an investor and didn't use traditional financing. 

I would think they'd at least be interested, but I can't get through to a human being!  

That tell you what the health of the market is.

I've been working inside the health and fitness industry for 6 years now, and have taken several contracting jobs.

Both of these installations are wrong, health hazard, against the Code and should be immediately corrected.