The tenant's mention of a lawsuit is typically an empty threat.As someone that's dealt with plenty of mold and mold claims, this one looks like a fat nothing burger.

Very rarely, those cases happen due to some fat tails event-- recession, war, pandemic, etc.

Audit expenses and cut the fat.

Builders are offering lots of incentives right now in the form of permanent rate buy downs and closing cost incentives.

If your properties under management are generating steady income for you close to or even exceeding your initial expectation, yet you scan the work orders and find more fat that can be trimmed which would yield even more profit.

I don't know about you, but that seems ridiculous and extremely dangerous to me. you can definetly learn it in less time than it takes to make 20k its a fat waste of money and an mlm

In an environment where rates are decreasing you could temporarily get a larger reduction in monthly payments and (hopefully) be able to refinance at a lower, permanent rate sometime in the future.

Construction to Permanent How did you add value to the deal?

Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

The are always multiple variables such as: are the gift funds involvedProperty typecondition of the propertyIs it ruralTitle seasoningReservesLTVWhat is the estimated DSCR ratioCitizenship status: Foreign National, ITIN, Citizen, Resident, permanent residenceDoes borrower have investor experience or notMortgage payment history called a VOM or proof of timely paymentsGift of equity or not100% gift funds or does borrower have at least 5% down payment and their own reserveshow many acres does the property have?