Bloody oath I do mate.It's never their fault and always yours (Ours).They rarely take any responsibility and cry victim.It's crazy to think but it's like many intentionally look for drama and deep down inside don't want success but rather problems.Someone to dislike and blame and to feel wronged by.All other personal and "at home" issues can now be blamed on this one unfortunate scenario.This "drama" per se is like food for the hungry and they need such drama in life to "survive".My apologies if my above comments sound weird as they are more so from a philosophical standpoint and just some thoughts that I have considered after 5,000+ investor intro calls and as you have mentioned, others feeling wronged by me or my company on many occasions.What a $#@% way to live IMO but I don't judge and sleep in peace.Again, I have been "wronged" by many but consider it my own fault.I also don't call them out publicly or post bad reviews, etc... 

I really want to have them sign a contract that I can drop in the scope, schedule and proposed fees to provide some protection for me.

Even if you make all of your payments on time there are times when something happens by accident or a collection pops-up and drops the credit scores. 

I have a feeling it was an internal "ball drop" that turned out to be very unacceptable.

In a rare case, it could be the second lien that is forclosing meaning the first lane still exists, and you would be on the hook for that.

My credit dropped.

Alternatively, you would need to drop your rents by $500 or more to have the same impact on your cashflow and your value.

So that 385K should drop down to the 370's all said and done.

Luckily here, but the time I'm done renovation we will be heading into the spring market - so that should fair better for marketThe other tenant dropped a bomb on me and told me he bought a house.

because there are two groups - those who are out buying real estate and doing deals and those who are marketing a lifestyle or dream to get people to pay for something that rarely if ever happens.