And, everything else you said boils down to PRECISELY what I said--the mortgage company is generating a lot of fees IN ADDITION TO their advertised interest rate.

We went over and our kids played outside while we negotiated and discussed our goals.

Both units are the same size but the neighbors' house has a 3rd bedroom on the top floor (the builder reduced the size of the master bedroom and bath and put the laundry in the second bathroom to get the additional space for the very small 3rd bedroom).

The chances of you getting any additional money out of them are extremely slim to none.

These are professionals with additional training and a stricter code of ethics.

The additional panels and trim add significantly to the cost.  

In addition, it is consuming over half of my line of credit which limits me from buying other projects. 

These are professionals with additional training and a stricter code of ethics.

They brought in additional people to live in the house who are not on the lease.

Address doesn't get changed or forwarded or enough time passes the PO will not forward anymore....so no one gets the notices, and it goes to foreclosure.The % is probably really c/o or should be, but they don't have a key for that so use % and that means "in care of" .Let's say dad moves in with the kids, the bill gets addressed to dad c/o Dwayne Wade at the new address.