Tagging people who have no choice but to believe there is a light at the end of the tunnel is not persuasive.

People write essays on their position, instead of bullet points on the facts, pros, cons etc.  

But it's worth asking the bank (you will need to explain why the appraisal is garbage very persuasively).3) Refinance with another bank.

The investor also had no backup plan, and it was clear they hadn’t considered the potential risk if this failed - they just said "we would foreclose" - which if they did would (at best) provide single digit return...It gets even better, if they did get the borrower to follow their exit strategy, they would make around 13%...Here’s the problem: The gurus often make note investing sound like it’s just a game of persuasion, telling you it’s "easy" to get borrowers to agree to anything if you push the right buttons.

Deductions are a matter of legislative grace and the taxpayer bears the burden of proof, both of production and persuasion.

I could write a 10 page essay.

She seems to be pretty persuasive

Be careful they can be very persuasive and before you know it are taking out a second mortgage to pay for the same education you could have got for free.  

HERS rating including DLTO calcs are the method to understand the envelope.FWIW residential HVAC industry is way behind the times.My only suggestion for the final question is be Polite, Professional and Persuasive.

I know I just typed you an essay but I said all that just to say this:  Be careful with these people who pop up in your messages claiming to be private lenders and asking for upfront loan origination fees.