@Terry LaoMy apologies, I thought your question was rhetorical.

I've attached my own excel sheet I made as i couldn't find an existing one so I apologize if it's not in the best format. 

I apologize if I misinterpreted the question.

Shalom, I didn't read all the responses yet, so I apologize if this has been covered.I've found the best way to avoid the sequential problems you mentioned in your first post is to do a thorough rehab immediately after purchase. 

never apologize for giving great info i appreciate every second of it so thank you again!

Be quick to apologize and swallow your pride for ten minutes .

You don't have to be a jerk, just be professional and never apologize for requiring them to pay on time.

@Josue Rivera No, I apologize for being so general.

I apologize for any incorrect formats or if this is the wrong location for my question(s) as this is my first time posting a question here on Bigger Pockets. 

@Gene FeltenI'm so new at this and have been soaking up so much information that I apologize for not having much of an answer about lending.