@Patrick Roberts thank you for the detailed explanation, now it makes total sense.

They just have to say that you broke the law, and no explanation is really needed.

Simplified explanation but that's the reason it can appraise higher.

The good news is he had a very solid explanation for why this was all happening which is what got him over the hurdle.As you mentioned this is lender specific but 620 is the minimum FICO score required. 

(And no, this isn't a request for explanation.)I don't believe in the long term outlook for crypto.

I like monthly email with a written explanation of the operations, as well as the monthly P&L statement.

New Orleans, with its strategic location at the mouth of the Mississippi River, emerged as a crucial hub for commerce and shipping, attracting entrepreneurs and investors eager to capitalize on its strategic advantages.The Louisiana Purchase not only reshaped the geographical landscape of the United States but also catalyzed economic growth and opportunity on an unprecedented scale.

Thanks for the explanation! 

TC: An email was sent with these charges explanation back in Sept '22.2.

We don't often ask for explanations for second home unless there is a reason to.