If it is a fannie/freddie loan, it does require 2 years of seasoning and a new appraisal.

If I find out where they live next, I'll send them my contractor's bill and a small claims court paperwork.

I need to update my deal profile but I moved here 2020 first buying a house hack and then slowly buying one rental a year until the last year and a half.

Patricia,Thank you for a detailed and a very helpful response. 

Send the notice by Certified Mail AND a separate mailing with 'proof of delivery required' (a cheap date with the post office).Hope this helps.  

With a mortgage the borrower signs a Note and a mortgage creates a lien on the property to secure the debt which must be recorded in the public records to provide notice to third parties. 

Selling PT is very difficult and as a young student it will be difficult to find much success.

I was 17 and a half years old! 

“The merits panel now has the appeal, which remains expedited, and a briefing schedule will issue forthwith.

Assuming 20% down and a 7.5% rate (which is about market) you'll go from 9-10% to 15-20%, nominally.