The dirt basement and there being a dwelling down there is concerning, for sure.

Any borrower caught in the middle of this ebb and flow with the potential of closing a loan that is 40-basis points higher than when they signed the application is concerned.

I would, however, advise your aunt to refi, unless she's more concerned with paying down the balance on the mortgage for the next 8-22 years.  

I am using a high level professional with a good reputation but I am concerned they are just too busy and the underlings don't get it done right.For those that have complicated returns what is the accepted amount of material errors to see in a tax return? 

I’ll start with your method of analyzing deals.

But yes, she should get up to speed on what is OK and what is not as concerns brokerage laws in her jurisdiction.

Btw, if there're any concerns about transparency and trust - it's best to not do business together.

If so, put in the work and use the low cost methods.

My concern is the duration.

I'm concerned that this meth head gave the flyer to other meth heads.