Gas station employees, mechanics, landscapers, and many others work in close proximity to petroleum products on a daily basis for decades and they don't experience health issues as long as they observe basic safety measures like washing their hands.

You will need 20% or even 25% down plus all loan and closing costs to make the loan happen.

My main issue is that the lender is claiming if I don't close by the 25th they are going to charge me 1.5bps per day until we close out since the rate lock expires.

Thank you Carl for your input, I will go through the software's you suggested, our portfolio is close to 70 units. 

Another local bank forced a client I've worked with to close two credit cards as a funding condition.

Maybe not 0%, but pretty close.)I’m also saying it could cost them $50 or $100k in additional taxes.

Add: For the following year, we pivoted to MTR and LTR strategy since we found a good situation where our neighbors parents from out of state needed a place to stay close to them and the grandkids and has been staying at our place since 2023. 

Additionally, failing to close a loan over a fiscal year is a huge red flag and usually leads to termination.I want to dive headfirst into RE investing to gain that experience I mentioned above.

This home is located close to an elementary school because technically the offenders aren’t convicted.

Find a local lender (probably a credit union as they love these) that offers 2nd mortgages - sometimes called Jr mortgages, HE-loans, or closed-end seconds.