John
Yes you are greedy if you want half of that as cash. Present value of $108,000 over a 30 year mortgage is closer to $30,000. The you have to factor in that most of these loans will only be in place an average of around 10 years. You are asking for $54,000 when the value to you as a renter would be closer to $10K, so while not chump change, you are greedy.
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