In terms of 2 leases - it depends on the program, sometimes there are exceptions made with compensating factors.

The difference in terms between a 680 and a 740 is fairly substantial (a higher differential in pricing than if the loan was conventional/FHA/VA/USDA type)- There's customizable options for everything, including rate locks, prepays, front-end/back-end broker compensation, I/O options (and a range of I/O options) etc- Generally speaking, we're looking at seeing immediate access to 6 month liquid reserves (not necessarily escrowed) so that the buyer can cover the property's debt after closing were it not to be leased A real life example: a client of mine thought the DSCR for his property is 1.2 for a cash-out refinance based onDSCR = $1000 (current leased value)/$750 (PITI) = 1.2 ------- (1) Upon closer inspection, found out that the property is in a flood zone which adds $100/month to the expenses.

I spent a few sessions with them going over everything I expected and even offered to compensate more if they felt it was needed to get the all the extra things I needed done, done.

It seems hard to believe we'd have to pay worker's comp if we're just hiring someone to assist for a few days/weeks or even a month or two, but would that be the case if they are assisting us directly with a task, or taking daily direction from us for hourly/daily compensation vs fixed price?

If you don't want to show income on your tax returns then it's going to make it harder to qualify for a Fannie, Freddie or Gov loan. 50% DTI is the absolute max for conventional financing so that will be hard to qualify for unless you have a lot of compensating factors.

If it is not a homestead, agriculture or mineral use it can only be redeemed for about 6 months (180 days) and you must be compensated costs plus 25%.

Anything that Is not vanilla the lenders will compensate for in other ways to minimize risk.

Ruthless is NOT a tactic that I would use against a homeowner who is already in a bad situation-you can be a polite professional person if you know all the right things you should be doing in dealing with people and their homes-if you don't know what you are doing it will show and maybe you try to compensate by being 'ruthless' and running over people. 

In fact, you may not have a Choice but to use an Attorney.If the Building is owned by an Entity, the Entity might have to be represented by an Attorney versus a "Member" of an LLC or an Executive of a Corp.Also, there are new rules in regards to returning Security Deposits, especially for Rent Regulated Buildings.Unfortunately, I can't advice at all since I don't own Commercial Residential Buildings.If you do wind up looking for an Attorney, I would also be knowledgeable in the return of the Deposit as well, since the New State Laws may have made it more strict, like returning it within 30 days, etc. and what the penalty would be (like triple damage if you did not return the security deposit on time without a legitimate claim).I can't really recommend a Landlord-Tenant Attorney myself since it's been 17 years since my last Eviction.Do keep us informed, however, as this is a curious topic for others as you progress with trying to apply the Security Deposit to the damages.I am assuming that you, or an Attorney, can seek monetary compensation if the Security Deposit did not fully pay for the damage.I wish I could be better help or even recommend an Attorney!

I would start looking for a new management company and transfer the property as soon as the tenant is out.Their lack of action cost you money and so I would demand they compensate you for the mistake.