Simple solution: Inform them that unfortunately you can’t accept ESA letters without being able to verify the validity of the letter by speaking with the local licensed mental health professional who prescribed them their ESA, so that you can verify that they have a legitimate disability requiring an ESA as well as that whoever prescribed it to them is a real licensed mental health professional who has an ongoing relationship with them beyond just receiving a one-time payment to “prescribe” the ESA. 

As a consumer, that certainly hasn't been my experience.

This shift is driven by consumers seeking affordable meal options amidst rising inflation.

If a property meets the 1% rule, it typically indicates that it can cover its mortgage and other expenses while still providing positive cash flow.35% Operational Expenses: This rule helps estimate the proportion of rental income that will be consumed by operating expenses, excluding the mortgage.

I asked my roof contractor to remove the skylight and replace it with a normal roof as well (which he did a few days back).My tenant is saying to the PM that he is getting medical testing done now due to mold related health issues.

It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

Also, you don’t need  $360k if the loan gets called; with a principal loan balance of $240k it would be more like $250k.Whether you do a wrap, sub to, or lease option when dealing with a owner occupant / consumer there are many legal “traps” to navigate because of consumer protection laws at a state level, and CFPB and Dodd Frank at the Federal level.  

According to the article in 2015 consumers lost ~$9 million from this fraud vs nearly half a billion dollars in 2022.A Silicon Valley executive had $400,000 stolen by cybercriminals while buying a home.

Regulation Z does not apply to most commercial loans, and you do not have the same consumer protections as you would from a residential loan.

This negative position can consume years of cash flow to recover.