You may want to warn your tenants that their counter top may be toxic.

NO bank in the planet would agree with an agent that get kickback from the backend.

No toxic fumes when I paint.

@Jamile Storck  that's all you can ask for.. keep in mind that rentals no matter where they are do have some risk to tenants.. no one on the planet can mitigate that.. 

@MacKenzie ClintonThere is an enormous amount of panic and fear about mold and mold remediation in real estate these days.Here's a Wikipedia article to ease your worries about evil black toxic mold: https://en.wikipedia.org/wiki/StachybotrysIt's perfectly possible there's mold behind the bed for some crazy reason that's the tenant's fault, although highly unlikely in just 5 months of occupation.

Most people can't grasp the idea that company like Apple now (yes biggest company in planet earth) has NEGATIVE YoY Revenue in 2023 and they're into cost cutting mode.

As I'm sure the landlord wouldn't want something like this to happen on his/her property but as we all know we live on an interesting planet with a handful of weirdos. 

I usually start my letters out with something on the order of "client represented and I prepared the taxes indicating that this business, blah, blah, blah.Because, let's face it... if somebody were in it for the long con, they could open an entity and just create a set of financial statements stating anything on the planet. 

Rentals are still the easiest path to financial freedom on the planet for the average person.

Here's my take on whether the banks are lending or not.Given that very few banks on the planet will do 5-10 propertyloans even though they can sell them to Fannie Mae, I'm goingto say that banks simply aren't hungry enough yet to make money.This is a loan product that they don't have to hold and they refuse to do it for investors because they aren'tinterested in doing the work one of these loans takes.I also find it interesting when lenders come up withtheir own nonsensical reasons for declining loans or for the paperwork.