The borrower's financials play a big part as well.

@Robel NessroGreat plan. 

Your taxes are none of the ex wife's business and this would seem to address your concerns.I would also put her on notice that future requests for financial discovery will be two-way and if a discrepancy is seen in the other direction you will seek support from her.

Sounds like a good plan @Stephanie Medina!

Talk to your banker about your plan.

If the “all water off for 10 minutes” plan is unworkable. 

I contemplated appealing it, but I figured I would go after the PM instead, which I plan to do.

I make sure that when I am doing major work that I plan to avoid potential problems on a Sunday. ie I am not replacing valves and faucets on a Sunday in case something breaks and I need to shut off water and go get a new part to fix it and they are all closed until the next morning. 

I think this calls for another patented day of Mike's Research Plan.

I would be planning to do some things before actually making an investment.