(My bad for not checking my statement thoroughly, but that doesn't excuse the extra charges.)  

I use the mortgage companies as an excuse ,,,I say they require me to have one year leases in effect or they will penalize me on a refinance on another property (pure BS but they don't know that).

What's your excuse?

You are looking for excuses to rip this program for some reason.

Not an excuse for us making them, by the way!

Hello my name is Matthew. i found BiggerPockets years ago and have been interested in real estate since i was in high school. i made excuses and let life get in the way for many years.....bad decision seeing i wasted all that time. fast forward to now i am married and have an almost 2 year old son ( wow he grew up so fast). right now i have a decent job with a very caring company but it just isnt enough. though i can save some i wont be able to provide the life for my family i feel that i should. i have been rebuilding my credit for the past 18 months. now is the time for change, yesterday was the time for change I WILL GO DOWN THE PATH TO A BETTER FUTURE. i have listened to almost all the biggerpockets podcasts, read/listened to many books, i am a delivery driver on nantucket island so i listen to audiobooks and podcasts all day while working. i have been started looking for deals but still having a little difficulty analyzing deals. currently i live on cape cod Massachusetts and commute to nantucket everyday. i use the hour long ferry ride each way to search for deals. i have alway been interested in owning enough multi-family homes and apartments to supplement my income. i am currently away from home and my family 14 hours a day, sleep 6 to 7 hours which leaves me spread pretty thin. i am grateful for such a wonderful community that is biggerpockets for coming together and sharing, teaching, helping and building one another. now that i have kind of ramble on i will get back to the point. i am interested in the BRRR strategy particularly with multifamilies 3 units and up. i would also love to learn how to analyze deals better so i can either wholesale them to or partner with other investors. i am not opposed to investing out of state but dont have a team formed yet either in or out of state. i have been all over the countryit is great to be here, i appreciate you all and cant wait to know you betterMatthew Hudson

Since you are an attorney, you have less excuse than anyone for your previous content.  

This rids of any "I put it in the mail" excuses for those tenants that mail in rent.

Excuse grammar!

Desired OutcomeI am NOT made of money and they assured me they if they cant get my loan done as offered and signed they would REFUND - their excuse is things change so then the changed things are not to my acceptance so they should refund me my money - there response is ABSOLUTELY NOT!!!!