Brian, I ran your assertions by one of the larger hard money loan funds.

It is never suprising for a board to take a maximalist view of their power.I would invite your (any) attorney to come forward and state a legal basis for your assertion that wholesaling is categorically illegal without a license.

So the 19 year old pregnant girl is somehow using $550/mo in electricity in a one bedroom unit AND you assert that "someone" went and either hired an electrician or nefariously did so themselves to "move breakers" in an effort to steal electricity?

Making erroneous declarations about the mechanisms creating the savings, and subsequently what their actual effect is on the savings, is something I would categorize as 'misleading' at best.So, while good on you for saving yourself a healthy chunk of money, don't be surprised when people challenge you on the assertion that it's coming from the tooth fairy leaving it under your pillow.

My partner is much more of a high-assertive manager-type and does much better dealing with game-players like you have, and will tell them what's going to happen in no-uncertain terms.  

How do I explain that via text simply and assertively?

My commercial mortgage broker asserts they are just slightly more expensive and with less hoops in underwritting.

So I'm practicing my assertiveness by being direct, standing up straighter with my chin up, and speaking lower and not smiling, I notice myself furrowing my brow too.

Wait until the auctioneer starts counting down or being fast & assertive when the number of active bidders dwindles to 1 or 2 ? 

A 990-T reaches into a lot of nooks and crannies and expertise is necessary.At the high level, your assertion is correct.