Quick question:Did you disclose the “Massive foundation issue” to the end buyer before requiring the end buyer to supply a non-refundable EMD?

So many are under the impression that because a loan doesn't report on your credit, it doesn't count or doesn't have to be disclosed on a new loan application.  

These terms were provided by the seller's daughter who managed the properties and were not disclosed to us during the transaction.The legal expertise we've received up until this point has not been helpful.

Quote from @Dave Skow: @James McGovern- most lenders can get underwriting done  that fast  as long as they are provided with 100% of the data they need PLUS getting any disclosures needed signed immediately too  Where on the lender sites do they disclose the information they need?

My thought is tgat if I only replace the fire damaged part of roof, I will need to disclose that the roof was partially replaced.

The commercial lender is not required to disclose borrowing costs, interest rates and fees upfront and in clear language. 

First Born Fees, The Fee Fee, etc.All of the fees are increasing the amount of money a flipper has to bring to the closing table and aren't helpful.James,Fees are accurately disclosed up front by the lender or broker you are working with.

As a lender you must prepare estiamtes for loan expenses, profits would be unknown, so they can't be disclosed under RESPA and your APR calculations will be off by much more than one tenth of one percent, so there can be another violation as a lender and usury law may apply as well.

I plan to put up a solar camera on the front end of the garage.It should be fully disclosed, there should be a specific purpose for it, and it shouldn't intrude on anyone's privacy.Example: "I have experienced several break-ins over the last two years.

Ultimately the true cost of acquisition and investment will need to be disclosed and assessed.