That's what I like to think I'm doing, shinning light on the subject and hopefully taking some out of the storm and into the calm.

He's a very calm, even tempered person, which works well with my more excitable personality.

I calmly explained that the rules are rules, and they had until the 12th to come up with the rent and that I must treat everyone the same to avoid discrimination claims.

All I was suggesting is that people calm down and consider how good they have it.

I like to put hanging flowers that waterfall under the eaves in the front to really catch the eye from the street.

What i started to do was to tell them upfront that I do not need their bank info if I received copies of their pay stubs. i noticed doing that seemed to calm their worries about ID theft.

yawn...the name calling and finger pointing is getting old....don, jscott has given some great advice. also, please remember that the guy you are working with at the bank is just a middleman. the underwriters are the ones that are picking the loan apart. ask them to be straight up with you and do so calmly. i also find it strange that the appraisal still hasn't been completed.

go above them. there has to be a reason why they are not giving u the letter. it's quite simple, call the branch and ask for the manager. explain what is going on (very nicely and calmly) and get to the bottom of it.

Most of them are very calm and well trained unlike all the little dogs that jump and bark 24/7.

Property newly rehabbed in Las Vegas, Nevada.1,404 sq. ft. living, 3 bedroom, 2 and 3/4 baths, waterfall and inground spa, 3,700 sq. ft. lot, year built 1984 - effective age less than a year due to rehab.