They were told that since they will be purchasing a fifth property with a Jumbo loan (with total value of loans in excess of $4 million) they would need 120 months of reserves for all of the loans put together (about $1 million in reserves). 

Most older homes in SC are ventilated and breathe fairly well, so mold in the living space/attic typically isnt an issue unless there is a water leak where there is constant, excessive moisture.

Just fat.  

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

I will honor my agreement of refinancing or doing a loan assumption as soon as I'm able (I've been trying excessively over the past decade), however if he does force a sale, can I tack on the fact that I've paid all expenses including the mortgage for the past now 13 years to demand he reimburse me half, or is he entitled to half the equity and I'm just screwed out of everything I've put into the house?

You may need to play around with how you word your request, so you won't get charged for an excessive amount of pages. 

because lord forbid ya go a week without the $300mnth Goat Yoga membership, or the daily $10 non-fat triple soy late caramel twist double shot stirred not shaken starbucks....

There are lots of ways you could do this, but the execution is largely up to you.Most of the private lenders I have worked with were experienced real estate investors themselves with excess cash they wanted to put to work. 

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

Our first two projects were conservative by choice and combined yielded in excess of mid six figure return.