Five sets of loan docs to sign, I strongly suggest you bring coffee to the closing table, and some sort of hand massaging device as well!

Yup, that's standard procedure.

They do a great job of teaching the proper due diligence procedures.  

Yes, I understand that renegotiating is the normal procedure.

This is a rather simple procedure for gathering more capital over a modest horizon and later converting it to cash to index and live the lifestyle desired.  

Terms of Service shift liability to landlord: "If a payor or payor’s bank or card issuer initiates a reversal, chargeback, or dispute of a payment made to you, you authorize us and our third-party payment providers to reverse or otherwise debit funds from your account in accordance with applicable financial institution and network policies and procedures.

So hit the same group up again and again, change the wording but the same massage. 

Use the calculators, but massage them a bit so that your MAO hits your sweet spot.... then take that figure and compare it to the ARV and you'll have your new MAO %.

Yes this is standard operating procedure.

What is the  procedure in cases like this?