J Scott threatening litigation against people like these is never a good idea, particularly when its a bluff. if the work was done right, ( or not at all), licensed or not, no " damages" actually exist...and lets say a miracle happens and a judgement is granted. ever heard the one about blood out of a turnip?....

For primary residences that the loan is VA or FHA, you can add non-traditional credit, aka cell phone bill, gym membership, etc.

That said, I like to think I am ready for the blood match that you describe, and appreciate your honest portrayal of RE. 

Work to free up cash flow – reduce cell phone plans/cable plans/car loans – etc.

Copies of checks that i have written in 60 days6. explanations of all recent credit inquiriesand the list is much longer than this.. it seems like they need to know everything but my blood type..Should I go with another bank for my future rentals?

A "letter of explanation" to explain that you got a new cell phone 2 months ago because they pulled your credit?

The reason is the "basic" items of life (cell phone bills, cable, food, car payment, etc) typically have a floor (least amount) but dont have to increase just because the person make more money.  

This does not include any live answer service, cell costs or your personal time of hours spent on the phone talking to 100's of sellers.  

A block filler has a higher solid content typically to fill up the porous cmu cells which allows the 2 top coats to be applied at less thickness.

Send a notice to her last address, cell phone & email about how long she has to claim her stuff.