@Tyler Mutch, have you talked to the cops who responded to the incident?

The client can refinance with a non - QM loan which is a bit higher in the 5.75-7.25% range if it makes sense or try to fit in under the "extenuating circumstance rules for FHA/VA/Conv financing after CH7 BK which allows reduced time frames as low as 1 year but its very difficult to qualify for EC unless you can document it very well (the incident has to be viewed as a one time event that caused the EC.What is the rate of this private money note that you're looking to refinance? 

I had a recent "water incident" where the basement WH was leaking and a tenant trying to shut the water to it opened the fill valve to the steam boiler and several upper floor radiators leaked water through 4 apartments.

The other complaints involve one incident.  

It is about an employee who witnessed an incident and had to testify on what she observed.  

I had considered the scanning since I do that for the leases, agreements, and any other documents like my mortgage papers.I started backing up my MAC after a horrible incident when I was upgrading.

I only have 2 rentals right now so I just extend liability to them from my personal home owner's policy.  300,000 coverage per incident seems sufficient right now at a cost of $43/year.  

That kind of incident is pretty low on the shock and awe scale, but she may not have really understood the kind of area she was moving into.

It's not whether or not you care or find the incident trivial, it's what your customer thinks.

They would be footing the bill for this incident, as well as the whole water bill a few months ago.