"/s/ John Chapman") I suppose there is some sort of minor risk that at some point it could all go south and they could deny it's their signature during an eviction procedure or something.

Lately I have seen a number of posts from what I consider some of our most respected posters on the board using standard procedures to calculate returns.

For examples, an lo can have an approval in the system technically but say the dti is over 50% it is up to the underwriter to assess the file to have compensating factors.Or say someone is out of Chapter 13 bankruptcy - the system will deny the file - but a lo following guideline procedures would submit the file manually for underwriter approval if he/she felt the loan qualified.Banks operate under a deskwriting underwriting system that tells the LO whether or not the loan is approved - this is how pre approvals are done.

Banks have too much red tape and procedures they have to file before they sell.

Trying to dissect someone else's policies and procedures typically doesn't work very well.     

It may be a case of looking up the driving procedures to reset the systems to get enough info to pass smog.

Has the current landlord followed the correct procedures with respect to handling the deposits?

I can give you all the steps and procedures from start to finish PM me and we can discuss

Do a google search on fire damage repair or fire damage restoration procedures.       

Read your Florida landlord tenant regulations and follow the procedure.