The tenant's mention of a lawsuit is typically an empty threat.As someone that's dealt with plenty of mold and mold claims, this one looks like a fat nothing burger.

Very rarely, those cases happen due to some fat tails event-- recession, war, pandemic, etc.

Audit expenses and cut the fat.

I don't know about you, but that seems ridiculous and extremely dangerous to me. you can definetly learn it in less time than it takes to make 20k its a fat waste of money and an mlm

Now today on the 20th at 130pm with a close tike of 3 pm, the underwriter decides that they don't like that because I'm so young and so fat have only been an authorized user on a credit card (having been renting and paying for utilities for a year though) and haven't been making the payments, that now I would need to have a cosigner (which doesn't really work since everyone I know have too many write offs) so now I'm in limbo while I wait to see if there's any other solutions.

The last thing I would want is to have a property break even with no fat to skim as a contingency. 

@Marc Rice - that seems to be an accurate assessment, and I’d fire the fat old guy who’s responsible, but I’d miss me.

We have programs that we readily pay your; grocery bill, rent, cell phone, internet, spending money, health insurance, Rx coverage, day care AND to boot not only do you NOT have to pay diddly-squat in income tax's that the rest of us subsidize (pay) for you but we even send you a big fat check each year if you have kids. 

And as far as the relationship advise, is that kinda like saying "hey you know your girlfriend kinda looks fat in that dress, you should probably tell her that" or something along those lines? 

But if you spend 100K and all of the properties are ultimately redeemed you make a big fat ZERO dollars.