Well, you know I'm big on validation and your message is loaded with it, but I'm not sure it's appropriate. Frankly it comes off as doormat-ish. I think you need to shift gears, you're now negotiating D terms so it's not the time to be all nicey-nice to her. I would keep things BRIEF and BUSINESS-LIKE:
"W,
I was under the impression there would be a minimum of $20k to a max of $40k (depending on selling price) in equity leftover after all closing costs and such. How have you determined that there is no equity?"
That's it, nothing more really needs to be said at this time.
Regarding your retirement accounts, don't offer her ANYTHING that she's not asking for. You will NOT gain any brownie points from her, she's more likely to think you're being a pushover.
Quote:
In the spirit of hospitality, I wanted to give you the option of staying in the house till the end of February
Oh wow, isn't she a saint!! You can live in YOUR house until she decides otherwise through her infinite hospitality, LOL! I would not reply to this AT ALL. She can't kick you out of your own house.
