these rulings over the last 10 years have eliminated much of the angst seen around the "hold for investment" issue mentioned above.  

Eliminate debt, establish a budget, and save.

It could be anything... a mistake in estimating, a cost overrun, or something like the place burns down and the insurance wasn't properly taken out, or theft (of the money outright) or theft of materials along the way.    

However I just realized there was a mistake in one of the tenants' lease! 

But, I was once a paid preparer and prepared or supervised the preparation of tens of thousands of tax returns and I saw some pretty stupid self prepared mistakes.

---The way my mind is thinking, this should be eliminated by paying off the mortgage with the WLI cash value policy loan.

I replaced the switches with dimmers, but even that didn't completely eliminate the problem.

VA Cash Out refi's must demonstrate a Net Tangible Benefit to the veteran, strictly defined by VA, to do one of the following: eliminate PMI, reduce the rate, reduce the term, reduce the payment, increase residual income, renovate or repair your primary residence, convert from ARM to fixed rate, or stay below 90% LTV. 

I want to clarify that I made a mistake regarding the Skyloft property.

I can totally understand they were overworked and understaffed, and as a result, mistakes were made.