I look at every situation as if it is a "temporary" or "permanent" problem- and unless you think covid never goes away and the lack of housing supply (at least in my market) can solve itself without new construction then it'll self correct. 

I’ll be honest and say I’m emotionally attached to the garage and come Saturday after home inspection I’ll post the pics here on this post of the garage and the space and you’ll understand why.

If it was your money, you wouldn't have to pay the bank for it.The property is just the temporary resting place for your assets, until they can collect "friends" (added equity), and can be accessed again for use at a higher value than if they stayed as equity in that original property. 

Hire a property manger to keep your emotions out of it and charge market rent.

https://www.federalregister.gov/documents/2020/09/04/2020-19654/temporary-halt-in-residential-evictions-to-prevent-the-further-spread-of-covid-19https://www.tjctc.org/coronavirus.html https://texaslawhelp.org/article/cdc-eviction-moratoriumFortunately, we have had no issues so far, but we are preparing for things to get worse before they get better.  

I further understand that fees, penalties, or interest for not paying rent or making a housing payment on time as required by my tenancy, lease agreement, or similar contract may still be charged or collected.I further understand that at the end of this temporary halt on evictions on December 31, 2020, my housing provider may require payment in full for all payments not made prior to and during the temporary halt and failure to pay may make me subject to eviction pursuant to State and local laws.I understand that any false or misleading statements or omissions may result in criminal and civil actions for fines, penalties, damages, or imprisonment.FULL TEXT CDC ORDER:https://www.federalregister.go...Contact your Senators, Representative, Governor and the CDC stating your objections to this moratorium.

If you tell them to get rid of the dog, they will likely claim it is an emotional support animal and then you are really stuck. 

@John Teachout I agree probably not worth my time/money to litigate and that best approach is likely to go with the emotional appeal of upholding the contract, good faith, golden rule, etc.Yes it's a $15k fee so technically I could afford to come up $10k to appease him.

What is his objective financially for this gift, not emotionally.

@Kumar Gaurav Would this be a temporary buy down on the rate (for a yr or two), or is this buy down for the life of the loan?