But the notion that doing so is FREE is absurd.

Don't post false info if you aren't familiar with the process.  

We're also talking a max loan term of ten years, not 30.The myth that they only depreciate is prevalent, but mostly false (of course any investment can depreciate, even SFH mortgages).

Now they are falsely billing maintenance on a unit that does not exist, and on one that I have had my own contractors working on a total gut remodel on for a few months.

I then went into martial arts and have studied for decades along with real world training.All of these weapons mentioned give people false security which is worse than not having a weapon at all.WHY??

They said, "what are you going to do when the crooked group decided to falsely arrest you for something, or shoot you". 

That seems absurd and impossible.

ARV now stands for ABSURD RESALE VALUE.

Although I don't like a tenant getting the perception that they are in-charge to the extent of demanding a new appliance for an absurd reason, it could be a good opportunity to get her to pay a portion of what you'll have to buy anyway.

So- each bank approved based on a false assumption on your ability to pay just themselves back- they have no idea of the other banks lending you too.