Compliance states there is no way to remediate this unless a new file is created. lender credit is 6900 which is the seller concession and no COC can be issued for “incorrect” lender credits.

For the proceeds I have to pay seller I would have to issue him a 1099 right?

to be clear - lots of other issues, lots of other challenges, and BRRRR is difficult right now with interest rates so high. 

The issue of "dreamers" is resolved.

:)I am sure this is a solvable issue with some work.

Technically yes, but your odds of success are very slim and your potential will be very limited.

I just want to be sure because your text “Beautiful view of the countryside” could also technically work for the caption.

However, I did take issue with the tone of the message, especially the part where they told me how they’d be paying rent.For context, there are no outstanding maintenance or repair issues, so I’m unsure what the tenant is referring to. 

Do, I think technically these things are crimes?

If you tell someone too early you aren't renewing their lease, especially one who is aggressive, could lead you to issues.