A tenant that I’ve had for about 5 years emailed me tonight with a ESA letter from a mail order website.

The uninformed will fall victim for sure.Lenders of all types should require title insurance and also obtain Insured Closing Protection Letters -- the validity of which can be independently verified.

Even with the new retal income lenders are denying the heloc due to the tax balance despite providing copies of the agreement and letter from the department of revenue which says I am current on the agreement.

The letter grades are subjective and really will change from person to person.

As for the gift for the down payment, it's generally allowed, but it must be properly documented as a gift letter to the lender.

I was served a certified letter by one of the six tenants at a student rental house stating my lease was void because of violating  Wis.

According to HUD guidelines, they should provide you a letter from a healthcare professional, licensed in your state, indicating the need for an ESA, and mentioning an ongoing relationship.  

There are two distinctly different collection strategies you can pursue:1) Collections Company: there are several that ALL they do is pester the debtor for payment with calls, texts, emails, letters, etc.2) Collections Attorneys: they will get a money judgment for balance owed and then pursue garnishment as necessary - including garnishing any state tax refund (if the state allows).Both will take a percentage of what they collect.

Do you recommend doing a lease termination letter, just to have something in writing?

We found our forever home in the neighborhood we wanted by driving the entire neighborhood, adding the properties using DealMachine, and then sent them all handwritten greeting card letters stating that we're a new family looking to move into the neighborhood and if they had any interest in selling to please call us.