It was a complete surprise and my personal Doctor had been telling me that I appeared to be in good shape.There are a few things you might consider doing before you start investing in your life.  

Outside of an unexpected cap-ex expense it at least let's me know a "bad month" won't go cash-flow negative.

You might get a pleasant surprise.

I have put in a few calls to the attorney's office handling the case but, to my surprise, haven't heard back yet. 

Having the option to make a lower payment when anything unexpected happens is a great cash flow cushion.  

It's not surprising to me that banks are not available to finance you for small balance commercial.

Seldom will you be pleasantly surprised by repair numbers on an older property.3.)

(And yes we are prepared for the unexpected).As for advice, I'm no expert at all, but staying persistent and give your 100% in whatever you start you finish.

I don't buy houses that are too old so I won't get surprises all year long. :)@C Bumby Yes I have a formal PM agreement and just as you anticipated, below is what's in the agreement:"(a) Manager shall exercise due care in the performance of its duties hereunder.

For example, in original loan estimate there was a lender credit of 500 plus now it becomes 200 credit and even that is used to offset much higher appraisal related charges 650+150(investment cash flow schedule)And to be clear, I made it clear this is investment property upfront, not like I want to take advantage of cheap government money by pretending this is a primary residence Anyway, this ranting was partly due to dealing with them and with insurance along the way accumulated enough negativities and it just pushed me over the edge even by smaller deal surprise at final closing statements.