That's a HUGE discrepancy.

The bucket is the discrepancy level between the GFE and the HUD-1.

We went worst case scenario here with all our figures.I just cant seem to figure out why we have such a discrepency in our figures.finding out total profit if soldsay YR 10 value is$1,275,377one would have to subtract, (remaining loan), (down payment), and (5% closing).those numbers (684,044), (94,900), (63,768.85).

You'll likely compete with cash offers or huge appraisal discrepancy coverage.

Is anyone else seeing this discrepancy? 

The discrepancies add up quick, and even if they're not "scamming" their certainly not functioning with integrity.

After doing my due diligence by looking through public records, I have found out that there is a huge discrepancy in the advertised lot size, the tax record size and the actual size by 40%.

There seems to be a discrepancy between appraisers on how they attribute value to ADUs. 

In theory you could level the tub and then hide this discrepancy if you are installing tile in the bathroom.  1/2" backer board + 3/8 thick tile + 1/8" mortar = 1" thick from sub-floor to finish floor.

I've resubmitted reciepts totalling about $9,500 in discrepencies in items I believe should be covered in full such as our kicthen cabinets(lowers only), bathroom vanity that was built in and not salvagable, and some other minor things.