(https://www.mynd.co)One of my co-workers at my last job (pre-covid times) used to work\invest with them, so I had probably registered on their site back then.

Banks and attorneys use it for skiptracing so, it would probably be good for you too.

I know lots of installers don't do it, and I personally prefer the unimpeded look, but anything installed outside of the requirements of the material is probably going to be limited, i.e. the insurance company is not going to pay you because the material was not installed according to flooring requirements. 

TY You have a few different options, but a cashout refi on the free and clear property is probably simplest. 

This means that the property doesn't qualify for the extension, probably because it doesn't meet the covenants such as DSCR or debt yield, so the lender is making an exception and is willing to grant the extension in exchange for the $4 million.

All well and good to dream big, but you need to understand the practicalities and probabilities of getting the deal to closing. 

I will probably use something different next time . . . maybe work directly with Transunion. 

(And I know a wrap probably isn't the first option many would choose, but I'm in Texas so its really my only option)

However I would say those lenders would be more willing than a bank to write the mortgage, and after completion you can refinance it.Overall, its probably easier and better use of your time to just find another house that doesn't require the construction and where the numbers make sense.

I don't know what the issue is/was, but I think a lot of customers want to play games and he probably did his best to keep them on the straight and narrow.