Are you having to debt service this during the delays.Can you amend or simplify the scope of work, ie keep the septic systemFinish the work and refi and then fix the remaining problems. 

The Coconino package has a simplified checklist spelling out the process.Good luck and let us know how the process goes.

If the software is not simplifying your life or making you more accurate, you shouldn't use it.Software does have extremely helpful features like online payments, marketing syndication (click a button and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.

That's one motivating factor as elderly people tend to want to simplify. 

To simplify here are key factors paid fee management will address.  

google the awning airbnb estimator, enter the address and info and you'll get back nearby comparable properties, that should help simplify the process

No one will care more than you, and you will seldom run into disagreements (with yourself😜) when it is just you making the decisions.Otherwise, you might look for investors that are just in it for the return on investment (silent partner) where you get to control the direction entirely… it would simplify a lot of those potential challenges.  

So Complicated answer simplified, MOST of the time lenders have the same guidelines/requirements as every other lender, and it's just a matter of how knowledgeable and "plugged in" the specific loan officer is. 

If the software is not simplifying your life or making you more accurate, you shouldn't use it.Software does have extremely helpful features like online payments, marketing syndication (click a button and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.

You can simplify it even more using the 50% rule.