You could read 100 books and still need to learn more because certain things must be learned through trial and error.

It's just personal. 99% of folks here cannot survive $5k/monthly deficits, .5% here would not know if it was a rounding error, .5% would make them look twice but not make them do anything besides try to manage it a bit differently.

However, your mortgage company can bill you for their attorney's fees to research the matter. 

Quote from @Bill S.: @Shane O'Neill Boulder and East Knoxville.

The program was what took me from analysis paralysis into a deal, their info is very well put together, all based on their trial and errors.

Also be careful as 2019 was a reassessment year so the coming tax bill may already be higher than 2018 was.For your example, 75% of $187,000 is already lower than the prior taxable value of $154k, landing at $140k. 

There was a water supply line that got damaged during hurricane Milton, resulting in a $600 water bill.

A $15,000 home depot bill turns into a $30,000 bill for you.

Was it because of a contractor or plumber error?

Progress payments, AIA billing, etc.