The first time I never had contact with the appraiser and with the refinance a formal appraisal was never done.

I have started my own form of syndication (not formal, just investing with family), and wanted to remove a blight from the neighborhood while at the same time building momentum for my new business partners.

Is the bank giving back the difference to the owner or the owner needs to submit a formal claim?

They've been on a month-to-month but it doesn't sound like there was a formal lease agreement (just a verbal). 

I am happy to say that in the many years of being a landlord I have never had to formally evict anyone.

What I have seen is formal written notice being issued and if the owner refuses to comply with the rules after that, the HOA simply places a lien on the property.

If it’s a major date or you have $ at risk do the formal addendum.

Dont need a formal education and your success if directly related to your efforts street smarts and throw in a touch of luck. 

Do you have a formal written lease on the garage?

Twice for HVAC servicing and one for a formal inspection.