But I do refer any EMD request over to a contact of mine who happens to be one of those 20%. 

I have worked with many lenders that will give you the run around, ask for more items, with no clear cut guidelines. 

Start doing category 1 items right away, provide notice and do category 2 as soon as you can and finally prepare and get ready to initiate category 3 items based on your ability to handle them. 

The address was submitted to their red book and now shows up online as official address when I try to ship items from Amazon or similar websites.

Develop an itemized list of the various risks specific to your proposed investment, and the cost to you of each.4.

After analyzing our reviews with Chat GPT (something we should all be doing), we found this was the most commonly mentioned item in our 5-star reviews.

Generally people might budget 15% of incoming rent for these items.

Cheap items will break sooner and require replacement, and will make your place look cheap overall. 

Are you referring to Josh Stanton, the real estate agent?

Your attorney should be able to help with this as they will likely want to get an itemized list of projected past expenses.3.