I have sold subject to a number of times, and I want suffering any financial distress.  

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

Interest rates are in the 6-7% range... so it doesn't take a rocket scientist to figure out if you are increasing your loan amount by ~$50k, and at a higher interest rate,  your payment has to go up or your terms have to extend.  

@Adele Tegger the way I understand the law, it would not impact a mid term rental unless the person lives in the unit for longer that 12 months (ie they extend their stay to the point that they have occupied the property for more than 12 months).

Or an extended family that wants their own space.

I don't think I will ever fully retire but I plan to be doing less active work in the future, i.e. not focusing on writing new loans and not flipping.I am lucky that I can easily handle a down turn and be just fine if things soften even for an extended time but I still hope that doesn't happen.

I added extended driveway, RV parking, back yard landscaping w/ covered patio, shiplap on two interior walls, and painted accent walls in every room.

All you have to do is make a compelling point for them, and having a broken property that they don't want to fix can be a reasonable one.Anyway, allow me to give you a couple of points to think about.Downtown LA has been suffering because of the working-from-home shift and the effects of the homeless.

After hurricane Beryl hit, many were left without power for an extended period and I really would like to put my eggs into different basket/market if possible.I see that you’re a real estate broker in Texas yourself.

For example, I have a potential client that has decent unit with a solid location but the decor/furnishings remind of a frat boy out of college meets IKEA/Amazon.A unit like this will suffer from poor design and the reviews will show as well which I do not want affecting my reputation or Super Host status.Do I just decline taking them on if they are not willing to work on it?