I guess I am just too economically immature to really see the forest for the trees in regard to synthesizing the conflicting views and predictions of various economists, including the Wiedemers who have made many unambiguous and harsh assessments and predictions, Dalio who produced that video and who is a successful hedge fund manager, this professor Fullenkamp I have been reading up on, and Krugman whom I am aligned with politically.

You should be careful not to trigger that harsh restriction if SB 50 passes. 

Unfortunately, the original hard money lender you lied to has opened themselves up to significant civil penalties by not doing much due diligence and subsequently originating your owner occupied loan.Like I wrote earlier, I hope I'm wrong and if I am, I apologize for the harshness of my post, but I sincerely doubt I am.Stephanie

But this is why I was so harsh in my response before, because I made the mistake of thinking that this was the standard operating procedure everywhere.

He advises that you have them sign something that acknowledges that they are paying more for the privilege of making their financial planning easier...you don't need drama over someone figuring out they are paying more after the fact.

Was it overly harsh?

The drama alone will shorten your life.

Let them know you are considering not renewing the lease because of the past violations and the associated drama.

Also I have to ask what may seem to be a harsh question.

We use a local screener, we get background, employment, criminal and credit plus she knows EVERYONE so often can help verify sob stories or other drama around the larger apartment complexes.