On this board,  there's maybe one or two maybe three.

If someone rigged the game before you even came on board you are along for the ride.  

Having not yet verified his income, he would well qualify.

Just put the tool on one of the boards that has a gap and hit the slanted end with a rubber mallet.

After some research, I've come up with the following:- Blown-in insulation to fill the joists with hard-packed cellulose- Add asphalt panel board layer across the entire ceiling to the existing drywall and fill the cutouts. - Add a second layer of 5/8's drywall to the asphalt board. 

This can be a game-changer, especially in neighborhoods like the South Loop or near revitalizing areas like Pilsen, where property values are expected to rise.Improvement Exchanges: Recent IRS rulings allow you to use exchange proceeds to make improvements on a replacement property while still qualifying for 1031 deferral benefits.

File him to the insurance board of TN?

I have the reserves to weather defaults and my team knows their portfolio level numbers, so it's just a matter of getting note investors and lenders on board.15 years payments and 50% LTV are the limits we're seeing for each individual method by the way.

I would contact your local real estate board and see what answers you can get from them and also call a local trusted realtor. 

As you build a track record of successful flips/rehabs, you'll typically qualify for better terms, like higher leverage/reduced down payments.