Could anyone on here shed some light on what could be going on and why the closing is being delayed. 

However, after researching it and having her actually do her homework it came to light that divorce, separation, health issues, moving for a job, and a few other extenuating circumstances were the only exemptions for no paying capital gains before 2 years of having it as a primary residence. 

Your tenant that pays rent on time causes a fire with their lights or something like that and the insurance company tells you that your are SOL.

And with your talk of credits and throwing money around I don't know that you are really able to become one.You should be spending your money on a lawyer (I don't say that lightly) and get this crap show under control.

For many technical reason, these digital sensors all work better at capturing light at daylight temperatures than at the more common warmer indoor lighting temperatures.

When I have decided not to renovate bathrooms, I did decide to repaint and replace the light fixtures, TP holder, towel bars, etc.

Taxes/ year: $3,002,  Insurance: $1,573,  Trash/ year: $654,   Electric/ year (exterior lights): $420,   Water/ year: $1,200 sewer/ year: $1,500,   Spray for bugs/ prevention: $311/ year,    Lawn cutting/ year: $640,   Misc (furnace filters/ 9v batteries): $250I have gotten mixed reviews back from my colleagues when they go over these numbers with me.

(Then I never heard back and I'm tired of chasing someone to give them my business)Can anyone shine any light on his statement about the cash out refi being better? 

Well the already pissed off, very Type A personality, very well trained guy wanted to throw on the plate carrier, go lights out, and get playful in the dark.

Relocate the light boxes toward the ceiling to add hidden lighting accents.