You’re risk adverse - which actually sets yourself up for success as long as it doesn’t result in deal “paralysis”.  

They have specific forms for denial based on credit, background, and income (adverse action letters) especially if you checked their credit because of the fair credit reporting.

Sometimes we approve someone who has disclosed an adverse credit/financial history or has no rental history and we will require 3x coverage.

Let me make my question more specific:Do all the events you described affect (adversely) your revenue?

This is the stage of the process where your lender can issue your loan docs out to escrow/title/settlement and these folks can schedule your signing for closing.Before it can reach CTC you'll need to make sure all income/assets/credit remain the same so that means no changes to your credit that are bad or adverse, no job or income changes ideally, and hopefully those funds you've set aside to close with are still "there," so we can keep this closing on track.If you had any questions left feel free to fire them off.

Evaporator coils can also become clogged over a long period, also reducing air flow and adversely affecting the system.

I would become owner of record after Deed has been filed (4-6 months from what I've seen), but also understand that PA has issues in terms of the length of statute of limitations for adverse possession, and insurability of the Deed. 

@Seth Baumgartner, I live in Cincinnati, still own (now) one rental, but had more, have done about a dozen or so flips in the area over the years, here is my take.I am fairly risk adverse, so I don't venture into neighborhoods I don't know inside and out.  

@Scott Trench president of BP could not have been much clearer “The practice, when used this way is meant to mislead, and those who ask for, give out, or receive, proof of funds letters in this way are not welcome here on BiggerPockets.”more important you are promoting a fraudulent POF that has high chance to adversely affect the seller if the wholesale does not find a buyer.  

Title insurance protects you from adverse claims, whatever that means.