A significant part of our business is from small owners that are simply overwhelmed and have zero systems/procedures in place, they just have been "shooting from the hip" for a few years and are fed up with the problems they have literally created for themselves.

As far as potential litigation, it is not like the feds are going to knock your door in one morning and seize your notebooks.

In COVID world, where both the Fed and Treasury are trying to pump up real estate with printed money (or, think of M1 Garand rifles in 1942, gov't is paying 20% over the normal rifle profit margin), those back-end profits are usually something like 5x to 10x the borrower paid fees on an Agency loan, meaning that if you pay $1500 in lender fees for a $500k loan at whatever rate, I'd expect the bank's back end net profit to be in the $10k to $15k range.Portfolio loans have no back end profit or subsidy.

The only lender I can find is PEn Fed and I have been in the process with them for almost 12 weeks.

How many addresses of high grass houses do you take note of while taking alternate routes so you see new neighborhoods? 

How could the FEDs handling of recent events affect a banks willingness to lend? 

Usually they aren't thrilled about living next to a place with grass that's two feet high, and sometimes they have contact or forwarding information

The house shouldn't be 'going for' anything, except as evidenced by the high grass or peeling paint or distressed story.

I originally had a grass service included but since they didn't want that serviceI lowered the rent to not include that.

It's very difficult to get hired into positions with the fed gov if you were not.