Giving them a laundry list of items will typically just overwhelm them and create more confusion instead of giving them a smaller step process to get more confidence to get the ball rolling and then they can get into the weeds on their state when they get the contractors out there, have local bids come in, and dial in their plan. 

No, you cannot "write off a new truck every 3 years" as these reckless YouTube professors suggest.Prepay or delay personal itemized deductions.

Later you mentioned after prorations you had to come with 6% cash, what other items on the settlement statement added up to 4% lowered your DP to 6%? 

There are a few other items but the point is and has always been, the underwriting performed was sloppy, broad stroked and lacked basic inter line item relationship logic.

Our thought is a bunch of $.06 per minute charges on your credit card would be too many line items on your CC statement, so by default the system will reload your account in $50 increments (you can change this to any increment)In the dialer interface, I thought we displayed $99 for unlimited minutes as an add-on to the main app as an alternative to pay per minute.

Some houses have so many decorations, misc. items around the house it is difficult to notice when things go missing over time.Hope this helps! 

First you need to learn to separate the following:Maintenance: usually things related to wear & tear or tenant damage.Repairs: usually broken items like doors & windows, caused by tenant or nature.Capital Improvements: usually expensive things that wear out: hot water tanks, furnaces, roofs, etc.The seller is correct that Repairs & Capital Improvement items should not be a factor for awhile (ALWAYS get your own inspection to confirm).

Punch List: Accounts for any punch list items involved. 

If you are just looking to invest your money then make a 1,2 or 5 year financial plan. work that back as much as you can hopefully into daily action items or at least weekly goals.

It's always important to have contingency reserves and having a healthy contingency line item that's capitalized can greatly reduce cash during life of loan.Loan Administration:Remember construction lenders release for completed work and the borrower has to navigate the process by which the work is completed in order to obtain reimbursement.