Hello Folks - My name is Ercilio De La Cruz (Rob).

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

When you borrow money you agree to pay it back.

I think you have a solid basis to sue them for all of the damage - though getting them to pay will probably be difficult.I only asked about them being related to you because such a situation can cause awkward moments at the next family reunion!

One of our residents was robbed outside of this property and we ended up paying for the resident to move out and sold this property.

There's nothing wrong with paying for someone to do their job but take the opportunity to learn from them. 9/10 times they don't mind teaching you.  

.- More Predictable Rates: Rates better reflect the real risk rather than just being based on a flood zone map.Example Scenario (Simplified)- Old System: A house in a designated flood zone pays $1,000 annually, regardless of its elevation or distance from the water.- Risk Rating 2.0: That same house may now pay $1,200 if it's closer to the water and more vulnerable or $800 if it's higher up and better protected.Flood zones still matter under Risk Rating 2.0, but their role has changed. 

Of course the solo would also pay the notes.

Less than 10 minutes and they are done.Self Managed, Low Volume - these folks collect the same rent every month, have minimal expenses beyond their mortgage and find it very easy to collect the few documents they have to report it. 

Also never pay any upfront fees and go with a trusted lender who closes through a title company.