You are absolutely right though. 

She has been sending complaints to the city and to the HOA board.Of course these complaints do absolutely nothing because we are within our rights and following a contract.She was complaining that we did not have the right to fix our own property since we are not licensed.She thinks she owns the place and we are merely room service. 

There is absolutely going to be a good deal of money to be made in rebuilding from these storms, but this is the time to be as prudent as possible.

Things go south, I assure, with absolute certainty, the banks WILL, ruthlessly, mercilessly, do anything/everything at there disposal.

Then as you mentioned-- from there, I would network to absolutely find him a few mentors that would allow him to just shadow him.

Agreeing not to rent the property per the loan terms is absolutely "necessary" to getting the loan; no agreement, no loan. 

I can absolutely see an argument against it.

As a new investor, you're absolutely right to be thorough and cautious.

At that time the lender gave you a fixed loan for a certain period of time with so much down and a certain amortization schedule.The debt service coverage ratio example.At DSCR of 1.25 means for every dollar of mortgage payment the NOI can cover 125%Your current lender back in the day might have done say for example a 1.10 DSCR ratio because absolute NNN and investment grade so perceived risk to them was low.

Santarelli as an absolute industry expert (podcast, websites, press, social media advertisement) cause investors to have a false sense of security.