@Phillip Austin feel your pain!

But the draw request and fulfillment process really shouldn't be all that painful. 

If they were smoking outside, the odor would quickly dissipate and would not permeate the building envelope and infuse into the other units. 

I get the impression they were once a better company but are experiencing growing pains. 

The only caution I give people is to make sure they have a solid income to where they won't feel the pain of the loan. 

If these servicing companies can’t get their act together and this pain in the neck activity continues, we may just pay these loans off entirely or refinance with our local credit union.  

It was a pain, but in the end, I came out ahead as there are rent caps in the area and got good tenants. 

It was extremely painful. 

But they are a pain in the butt to deal with.

Probably not, but I'd see what my CPA and attorneys have to say.Be a pain having tenants pay you twice too.Also, passive income is already treated pretty favorably after deductions such as depreciation.