But from what I understood the underwriter is not accepting them.

@Karen PolisEither the county attorney mis-spoke or he mis-understood your questions. 

I understood any "ACH pull" is subject to a 60 days window in which the tenant can refuse the payment and the payment will be refused by the bank.

., I thought by now you would have understood what I was getting at. ie.

As I understood it the improvements to the property are supposed to make the final 80% of the finished product cover the initial pruchase price?

I understood the pain my little guy was going through because I was leaving him alone. 

I understood that depreciation from rental property can only offset income from that property and can't be used against non passive income source (plz correctly if I am wrong), especially if your active income is above 150k/year?

I then understood the significance of hiring a licensed contractor, and why they charge what they charge is mostly justified. 

-the people who understood that this was a real post about how difficult this business is and actually responded in kind either with sympathy or constructive points to ponder.I would also like to comment on someone who said that this post was only for flippers and not other areas of investing.

High risk, low return = poor investment.No investor would ever hold onto a paid off income property at retirement if they truly understood money, finances and investing.They have unfortunately lost site of the value of money and are tricking themselves into believing they are smart investors.