So, they could be correct or they could just be trolling for money, but you should have done final testing.

I stopped paying the 1%+ and my principal finally started to decrease, significantly.My suggestion is that you ask brokers for recommendations that are in the area where you are purchasing your property and keep calling banks and save thousands of dollars you can use to invest for your next purchase.Two things:  Your broker wasn't getting rich on a 1% commission and the 1% you paid to your broker didn't keep your principal from decreasing; it was probably the cash out he got you (and at a higher LTV than the bank would lend you I might add).Banks and brokers each have a place in the lending arena.Stephanie 

The provisions in the second contract govern the final close so you have to check for discrepancies that would invalidate your contract's provisions with the seller.

I finally told the staff member who was a male about 6' 5" 350 lbs I was not going to sit there and be chastised by him for something I did not do!  

Those notices are recorded (surprisingly) at the county recorders/clerks office, so, search there by whatever details you have if your state offers non judicial foreclosure which it does.If there is no related documents (NOD or NOS or NOTs or appointing a sub trustee listed within the available documents list for the database) then go to the final place where the notice is filed.3).

Quote from @Heidi Fischer: HelloI’m a high W2 earner and have been looking for a STR and finally went into contract but can’t close until mid-end of December 2024.

What made you finally get one?

I have flipped about 8 homes, we had a plumbing issue on the last home that finally got resolved....but could have turned south if it was not.

Finally, we do not care about your tax returns, etc.- since these loans are primarily based off of the asset as collateral.

Quote from @Kar Sun: My tenant's lease is coming to a close and I am relieved she will be moving soon.She has been paying on time but has been extremely unpleasant and rude.While the money does not smell my mental sanity is more important than money in this case.She sent me a registered letter stating that she feels "unsafe because we have not done the fixes the way she wanted it".She requests to have her witness for a walkthrough.In my state a walkthrough is required but I am not about to grant it to her to bring any witnesses as that is not in my contract.If she feels unsafe she does not have t be present.I also do not treat a final walkthrough with a tenant as a final sign off.This walkthrough does not include a detailed inspection of the plumbing and the appliances that will be done after she departs.This is simply for the visible cosmetic issues and should take less than 1 hr.