Lawyer up and join the witness protection program.If you have been around the block you know that RE valuations do not adjust overnight hence take the anecdotes from your brokers and realtors that its business as usual with a grain of salt.

I wish he was here to tell his sideDisclaimer:  I am not bashing the OP or accusing her of loan fraud as I take her at her word that she was not aware of the rules. 

Tell them they are free to leave the home and if they want to witness the inspection, they may watch the inspection through FaceTime.

Not accepting each and every application tendered, regardless of obvious qualification issues, carries the risk of being accused of illegal discrimination.The person who applies to 20 different places possibly is not doing his own due diligence, and is unknowingly applying to places where he clearly doesn't qualify.

So not only are they frauds and cheats, if they really did the lawncare, they can be accused of trespassing!

Hello JoeI would get a father and son plumbing contractor out that specializes in drain cleaning,trenchless pipe replacement and video camera work.Go yo a local plumbing supply house ,be friendly and ask for a recomendation for a father and son outfit that pays their bills on time, are clean and courteous and that treat people right.Youll usually get 2 or 3 phone numbers.When you get these folks on the phone tell them straight up that youll gladly pay them what they want if they quote a firm price before they commence the work and if they would let you witness their video camera inspection and that they show you your problem.You wont believe what you see Joe.If you start things out right like that usually the guys you have over will bend over backwards to solve your problem.Ask me how I know,,,,I do it myself for good clients,.You usually get a better deal from a father and son outfit.Get a set price up frontThen everyones on the same page no surprises.Heres a secret,,,give a good plumber his price and he will do little things to make your life easier and he will put you on top of his priority list should you need him out again for other issues.Good plumbers are BUSY plumbers.A lot depends on how the drain pipe was installed in the first place.Was it graded properly?

I witnessed hundreds of people signing up for these programs that started at $10K and that was just the initial membership.

If you're planning on getting an FHA, you'll have to put it on your name, as far as I know, is for first time buyers so a Corporation wouldn't qualify.A Corporation is a good way to cover yourself against any issue you may have wit your tenants (e.g. lawsuit..).Also, it depends on how deep you want to get with REI.Hope this helps a little,Good luck!

Insist of accusing her of being racist, told her the express bus stop is just down the block, it's convenient, and the person is probably on the way to work.

Congrats .. this is cool to witness