Look at the timestamp of when I locked the rate v when I was in a position to submit to underwriting, it was no big deal on this one, but for your deal you cannot afford your client to create such a lag, those are just wasted days that you don't have to waste.To hit your deadline, hopefully your borrower is fairly cookie cutter and hasn't been doing those fun things like opening new credit cards, moving money between accounts, etc. 

But that's not always the way the cookie crumbles.

i would bake her some fresh toll house cookies to soften her mood .

maybe some fresh baked chocolate chip cookies and a few tickets to a hockey game will coax her to pay her rent .

I just need direction.I know that this is nothing specific and a very general (and probably cookie cutter) introduction - but trust me it is full of emotion and energy.  

The answer is entirely dependent on your property.Sometimes it is washing the windows, could be writing better copy for the listing, could be power washing the building or the sidewalk, could be fresh paint, could be making cookies during an open house.

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The seller felt like all most of his profit was sent paying others hands in the cookie jar.

It was like we took a huge cookie cutter and cut the entire kitchen away from the house and replaced everything but the roof (termites hadn't made it there yet).

Performing a competitive market analysis is not the same as an appraisal, and on everything other that residential single family cookie cutter planned development property, even appraisals can be way off base.Having the property you purchased CFD free of all liens and encumbrances is very good, in that you won’t be running the risk of the property either being foreclosed out for an existing lien, or the seller not making payments on an underlying mortgage, and you having to file a civil suit against the seller.