Maybe even failure to take full advantage of an opportunity, resulting in a loss of potential profit or benefit.

So on page 6, Modern Money Mechanics: Federal Reserve Bank of Chicago, it explains that banks don't "pay out" the funds for loans from money in other depositor's accounts.

Their communication can be described at best as mechanical.

Your comment is one of the only ones that made me feel encouraged and not like I’m a failure.

You fail to the systems in place, keep strong standards and the failure rate is light.

This wasn’t a failure (if it is a failure) because of purchasing at the top; the economy crashed; pandemic closing everything down; or a massive failure of the financial system.  

What financing mechanism will you use?  

My first recession gave me resiliency (yes, even failures are victories). 

Upon further review, SDHC has determined that your application remains ineligible for the following reason(s): Failure to return required forms and documents to determine eligibility   Inaccurate information/Documentation insufficient to determine eligibility  This is the Final Determination that your application for the City of San Diego COVID-19 Housing Stability Assistance Program is not eligible for assistance.

My educational background is in science, but my personal background is rooted in the Midwest where I grew up on a farm and gained a skillset in everything mechanical.