I am on the 2nd (porcelain) tile floor in my own kitchen over 20 years, and even with 3/4 subfloor, cement board, high strength thinset with flex agent, there are still about 6 or 7 hairline cracked tiles from where something heavy has been dropped on them - errant can, hot pot, milk jar, etc.

So it’s safe to say there’s a cow and now everyone else wants to milk it.

Send that, carefully worded so as not to give the impression of being indifferent to your tenants needs, and milk it long enough until the leaves stop falling. 

It's "underwriter discretion" on that one, and "underwriter discretion" is a bad place to be, since you as the borrower have zero control over if the underwriter's milk went bad ruining her breakfast that day, and you (presumably) don't want a half million dollar real estate transaction dependent on the expiration date on a $4 carton of milk.This is part of why CPAs and mortgage lenders are constantly at odds with each other, since great advice from a CPA focused on saving you tax dollars is often simultaneously horrible advice if you're goal is to buy a house next year and don't plan to pay cash.

Milk expired on April 8.

If they can do it for cows....http://www.theatlantic.com/technology/archive/2012/05/the-perfect-milk-machine-how-big-data-transformed-the-dairy-industry/256423/

In Alabama, I started with one property and they tried to milk me dry so I started making demands.

I don't mind helping someone out but what's happening here is Mom is milking her son, and by letting her continue to squat in this location he's enabling this poor behavior.

Alors, my house is old and small, I have only two daughters and their hands, mon Dieu, they milk zee cow with fists hard and tight like zee boxing, c'est terrible!

Why milk the bank swap story for 4 extra business day?