Having lived abroad myself for many years, I can say I underestimated what a pain taxes would become. 

To answer your question, yes, I qualify for these helocs using full income documentation, which is a pain.  

@Jay Hinrichsright - but she did say "the renter wasn't paying high enough rent to cover Kiavi's requirements"so i remain confused.before BK or FC, i think worth (1) talking to an attorney to see what she signed with Kiavi, and (2) calling another lender (or better yet, 10) and seeing what's availablea few hundred for an attorney and $500-1000 for an appraisal - painful to keep spending but i think worth itstill missing info here

Find one that adds value.Your first statement is spot on and a better way to articulate why I find agents painful. 

This seems to be falling into soft core political painfulness.

He will face an increasing amount of pain and pressure for many years before he digs himself out of THAT hole. 

I experienced this when I lived in SoCal given the wildfire exposure and the SE has also been feeling the pain with all of the hurricane exposure.

I currently work as a consultant, on a project that deals with a lot of risk assessment, identifying pain points for my client in areas of improvement, along with these types tasks, there is a lot of tracking and monitoring of multiple different requests that are going on at one time, as well as having to manage my team and personal to ensure we are meeting all necessary suspenses.

Better than nothing, but it was so aggravating and painful.

Individuals who have experienced hurt haven't processed their pain or developed effective coping strategies.