I've had smooth loans close with Kiavi and I've had rough ones, same with Roc.When Loans start to be troublesome:1) The borrowing entity docs are a mess2) The appraisal numbers are lower than expected3) Messy background reports4) Loans happening in an environment where market/rate fluctuating unpredictably 5) Your loan officer and their team are poor at their job6) Title issues that depend on county docs, that can be slow and painfulThere's more but it's Friday and I'm tired....

And not being able to issue the deposit refund via Avail was the final straw for me.

Issue:  computer-generated random phone numbers for outgoing calls. 

And you're totally right, housing issues cut across political and other lines.

.- China is issuing record debt to stave off recession, while the US bull market continues (Wallerstein).- Texas vs California Home Construction.

And emotional. 

The issue I have is that I am struggling to find serious partners to work with.

Some of the issues I have clarified so far from this and other forums:1.

I expect there will be many more issues with these transactions moving forward. 

They may also be able to temporarily relocate your tenant to avoid any other issues.