Unfortunately, the original hard money lender you lied to has opened themselves up to significant civil penalties by not doing much due diligence and subsequently originating your owner occupied loan.Like I wrote earlier, I hope I'm wrong and if I am, I apologize for the harshness of my post, but I sincerely doubt I am.Stephanie

Oddly, until just 3 months ago, the IRS could call you to inform you that you were under audit, but a letter would always be sent subsequently.  

@Eric Villafana , It is a sliding scale.

Account Closed, if your own prior analysis agreed with the subsequent BP podcast method, why the "surprise"? 

you obviously have some siding & J channel missing.the latter is cheap as is plastic brick molding to replace the wood rotI would then use the plastic molding product 3-4 inches to frame them & secure the siding for now.here is a pic of a window my guy re-framed with plastic brick molding (bottom piece is not yet installed) & a sliding door with plastic wood (3/4 x 3inch) look planks ready to go to better interface with the siding fit. 

I would let it slide on the 1st go-around, assuming they are cooperative and responsive.

I called the department listed whenever I had questions about the online info, and they were very helpful in guiding me to make sure I passed the required inspection as they charge more for subsequent inspections if there are problems during the first one.    

It also seems that subsequent bubbles encompass a wider audience. 

It was an online presentation of a few slides and basically the moderator (coach) going over a few basic concepts.

No Pets allowed...No Animals allowed (Read between the lines in case someone tries to slide by with a certain type of "animal"...that is used for support.....emotionally.....If you're able to get an extra $3,600 to $7,200 per month and not have any animals in your rental...it may be worth getting into.Full Disclosure,,..