A few days later I hear that the Senior Underwriter has my file and is "asking for more information" 4 letters including 2 more from my local union in Miami later and she denied my loan.

If their pictures also includes an orange jumpsuit or stripes, and they are holding a number, I would probably pass:)

Water is included in the rental agreements as well.

Instead of 'returning' deposit from '15, and having two remaining write new check, can anyone suggest wording/letter that I could have the moving out tenant sign stating something along the lines of 'I, ____, have received my full deposit back, including interest, from my roommates Xname and Zname and do not expect any additional monetary return from my landlord, _____' ? 

Was the 13k including closing costs and all?

And is this the Total that I heard someone mention that the Closing Costs on a HML they aquired was $6,000 on an All-In cost of $100,000 So did this $6,000 likely include all the Points and Interest Rate via the HML ?

I notice that BP excellent calculators don't include that into their calculations. 

Here is what it says in the faqDo you fund the repair cost  Yes, we specialize in Fix/Flip lending that includes Repair Costs.

Everything was done top to bottom including driveway.here are some pics of the other 2 bathroomsmasterbathhalf bath

Chris - Agree with the 10% vacancy, just didn't include that much detail.