Dan wins the case and you lose your portfolio. 

I've kicked myself too many times for worrying over a few bucks worth of mail after losing a deal due to trying to create a perfect list :-) 

If you prefer to work with another loan officer/lender, as long as you have been fully pre-approved, I don't care and I'm not going to lose a closing because of it.However, there is one lender where consistently I have had problems across multiple loan officers. 

Are they worried about losing money and being on the hook for the mortgage? 

Ever evicted an inherited tenant who was clearly too stupid to breath, too beaten down by life to think, just mentally incompetent to do anything other than lose?

I was able to build a rapport with the heir to the property and wanted to help them not lose it completely without profit.

If she has been there a while I would lean toward believing her and have questions but fighting them may be a losing battle. 

people will get burnt in a deflationary environment if they took this easy money and have a high mortgage. it will be harder to borrow, and they will likely get lower rents. they will drown in debt. banks will repo. investors wont come in to save them b/c they wont have enough equity. they will lose their primary home that they tookt he heloc on in order to get a new property to short term rent.people took the bait. dont ever...take the bait.

I’m less concerned about losing out on the house, and more concerned about getting into issues with the seller where we agree on the price, but I won’t be able to get a standard 30y 20% down loan due to appraisal value coming in significantly low (again, not talking about 10-20k difference here).

If you didn't buy it with the budget to hire someone else to do it but you hire it out, you will lose money.