This notice should include the reasons for the denial or a statement informing you of your right to request those reasons within 60 days.

Comparing your post to my experience thus far I feel I am in for a fairly robotic loan experience.I have yet to see the actual loan agreement, but I have requested this and will report back when i get a copy.  

I just requested access to Avery's FB so hopefully I can hop in there soon. 

Take care of work requests under $x?   

It is usually allowable up to 6 - 12 months after the purchase. 3.Buildings are determined as commercial or residential based on the official cadastral category by the local council.4.Commercial mortgage LTV Max 60% depending on the specifics. 5.Not an issue using foreign income for affordability calculations if salary is taken into account. 6.Property valuation is conducted by a valuation company requested by the bank. 7.Residential mortgages can be up to around 80% LTV depending on affordability. 8.

You can judge the ethics of that request yourself to put into these rock-solid businesses above. 

A while ago they were taking request of adding banks from customers but I was told that they do not do it anymore.

Landlords can enter a tenant's property for a variety of reasons, including: Making repairs or replacements Responding to a tenant's request Removing unauthorized window coverings Preventing waste of utilities Changing filters, testing, or replacing smoke detector batteries Inspections Helping with an emergency inside the unit Posting a notice of eviction"Research your state laws because some of your comments indicate a lack of understanding of the landlord/tenant laws where you are operating (like threatening the tenants to keep the security deposit if they don't respond to you, I doubt that is actually a valid reason to keep their deposit, or evicting for late payments, or charging the tenants for your warranty repairs because you missed your 11 month inspection window which was your responsibility, and it looks like your lease says you can charge up to 18% interest for unpaid fees, is that actually legal?).

However, repairs or improvements must be permanently affixed and add value to the real property.Costs and Escrow AccountsThe costs of the renovations will be based on the plans and specifications for the work and on the Construction contract for all of the work requested by the borrower.

We not only lost our hard-earned money but on top of everything, our health suffered, I had several sleepless nights due to the stress and anxiety that this horrible experience created for my wife and me.After the buy-back was completed, I approached Maverick to at least help us with our losses by requesting us to give back ~$6000.