(People eventually will move to places that are more affordable for them)One more thing, since you are a certified appraiser, I believe you said you were in another post.

I have a relative who is a certified financial planner.

They naturally overestimate value and understate repairs.

This will probably be a portfolio loan that is commercial by nature.

Focus on what demonstrably is not in line with the specific benchmarks required for each draw that you provided, things of that nature.

When I general contracted my house one of my contractors stiffed a sub out of $15k, but fortunately I had the lien waiver executed and when the sub filed the lien I showed the court the waiver and they dissolved the lien and told the subcontractor he had to sue the contractor he was working for.Whatever you do, if you do terminate for him, make sure to put it in writing and mail it certified, also state the reasons for it.

These are proven to be effective and are also certified by mold remediation companies and industrial hygienists.3.

Most flippers, whether you've done 0 flips or 50 flips, often go over budget and over time; it's just the nature of the game. 

It's not a rural area or anything of that nature.

Your moving in the right direction, but until you get it rehabbed/stabilized, your going to spend a lot more than you bring in, just the nature of the game.