Is it time sensitive?

It does not ask for any sensitive information.

You are also held to strict reporting times for adverse action letters, data storage requirements, and safeguarding of sensitive information.

People are temperature sensitive. 70 is too cold, 76 is too hot. 

I do know my wife and I, when we were young and especially first time parents, we were sensitive about everything.

@Steven JohnsonC - Capital adequacyA - Asset qualityM - Management qualityE - EarningsL - LiquidityS - Sensitivity to Market RiskBank supervisory authorities assign each bank a score on a scale of one (best) to five (worst) for each factor.

BUT a pressure sensitive glue is affected by moisture and heat.

Pros of Hard Money Lending:Speed and Accessibility: Hard money loans are known for their quick approval and funding process, making them suitable for time-sensitive deals where traditional financing might not be feasible.Flexible Terms: Hard money lenders are often more flexible than traditional lenders when it comes to terms, repayment schedules, and collateral requirements.

Why not lease and deduct the lease while taxing rather than fiddling with the sensitive subject “Depreciation” ?

There are site sensitivity restrictions, fire and building code (if you are separating between floors for up down you need to fire rate the floor like you would fire rate the party walls that separate units, which can get expensive), etc..As Travis mentioned, once it becomes up down, it's no longer a duplex or townhome, it's a condo.