@George Blower I printed your response.

this happened to millions of them during the great GFC  just read the small print.

Get a REAL proof-of-funds - not a worthless piece of fiction that you can print off from a hard money lender's website.Don't expect your agent to do anything but the most cursory financial analysis. 

Watch your commercial a$$es.To add to Jay's  Heloc warning, I see residential folks using blanket portfolio and commercial products with cross-collateralization clauses and all kinds of small print. 

my question is - i'm going to be opening a business account to try to keep all funds separate.. but i'm not going to LLC it just yet..wouldn't the fine print of the payments then be using a business account to fund a personal property? 

I use a lawyer for that and we quit claim it.The fine print on your loan may not allow you to do this. 

If you've ever written a check you've likely given a stranger that same info and maybe more (i.e. your address printed on the check, a copy of your signature, etc). 

so with all that.. standing on the river bank looking at paw prints as big as pie plats.. was a little nerve racking and with your little can of bear spray.. :)  .  

They finally gave up and let me continue the permits for the year after I printed off the information for them and threatened to go above their heads!

hmmmm  I have never printed the QB Cash Flow report by class.