And the cracks mostly follow the drywall seams from what I can see, which is typical....And as @Patricia Steiner said, it doesn't look like a pro installation....You could ask the Contr to use a flexible compound if this happens again, or maybe even now...https://www.dap.com/products-projects/product-categories/pat...Like everyone else said, I'd have it repaired - by a licensed Drywall Contr. - and then just check in on it.

We understand that but frankly we are extremly reluctant to ablidge.

All of their products are Dutch-interest and their highest leverage option is a 1st position with a 2nd position loan wrapped with it to get to higher leverages.  

You would think that with all that income, they would let you use the product for commercial use.

Hey @Joy Daniels, I read everything I can all the time.I read a few blogs that go over products and some design.

Quote from @Brandon Croucier: That’s a killer loan if they are actually offering that.Seems extremely below market value as even primary mortgages are higher than this right now.I would beware of a bait & switch on this. 

@Chase Calhoun - great looking product you have built.

This is limiting my options.I have never utilized the multifamily lending products offered by Fannie, Freddie, etc., so I would be interested to a) hear other BP members' lender recommendations for this sized property and also b) other members' experiences working with Fannie, Freddie, etc.  

Quote from @Myles Powell: Hi Everyone- I’m extremely excited to join this community.

Let me know if you’d like specific product suggestions—I’d be happy to help!