Paying offpaying the cards & cert will give me an extra 1200/mo but I lose the 10K.

People need an option to losing their house and their equity.

So I now plan to sell it because if I got a HELOC for the full 75-80% I’d be losing money every month.

No idea  if you can really profit from them or are they set to win while you lose?

(making morality accusations)3) "You're going to buy a disaster and lose all your money!"

However, I also don't want to lose a good deal because I tried to negotiate a great one.

The same banks that cost more people to lose their than ANYONE in history.    

Could I lose the house?

I've been investing for 15 years mostly long in the market until going short last year and have run small businesses through Four Black Swans incl. this one and have to ask some Qs: how much cash can you afford to lose let's say up to 60% on?

I guess the only reason to sue an agent for this is if you're angry enough and want to get revenge, but suing to get houses is a losing strategy.