This ensures you lock in better terms based on the improved cash flow.

It sounds to me like they could have an attorney in their ear, and they believe they can force so much more out of you.

Then it's them unable to sell in the money, and buy a new one cause rates locked up the previous buyers.The 1st point is the real state of unemployment.

A cash-out refi isn't really appealing with the rates and I'm locked in at 30 yr, 4.7% currently.

You might want to limit your visits though to avoid escalation.Short term if the smart lock is on his personal door just change it to a key if it's isn't working for him, you can always switch back later.

My second house was under contract before it was even listed, but the combination of my GC disappearing and having to restart the permitting process for the carport in March right at the start of Corona lock downs dragged that out and eventually feel out of contract.

Quote from @Locke Tucker: Can you take the loss without completely ruining your finances?

If there is any advice you have to offer,  I'm all ears.

For example I had my slow teenage kids with me and I hadn’t replaced the keycard by checkout time (6 minutes past), although we were out of the property and had locked the door by that time.

Additionally, a lender deposit ranging from $20,000 to $100,000 is necessary, along with a rate lock-in fee that typically amounts to 2% of the loan amountIn the process of raising equity, it's crucial to be diligent while filling out necessary forms and securing required verifications.