If so maybe you want to deliver one side vacant?

Then you can deliver the new key in person and outwit them.   

@Brian Burke would you agree that it is better to under promise and over deliver then?

There is a lot more competition chasing fewer and fewer short sales, so the banks are now in the driver's seat and most know it.

Out of curiosity what is the driver for additional cash down if I pursue something over 4 units?

If a client delivers detailed, timely, well-organized docs, there should be no reason or excuse for material errors such as the ones you described.

From what I am reading the tenant is not asking you to deliver anything to her.

Dewalt 20v XR impact driver.- I use it on every project it is a invaluable tool that runs forever on a charge and has all the power you could ever want from a cordless.2.

In general, cashflow and cash-on-cash returns are my primary drivers. 

Were the later materials actually "incorporated into the house" (I assume they were not acting in any way as just a "material supplier" so simply buying them and even delivering them without installing them would not count as work).