I'm debating from a business and financial perspective, whether to sever the contract with him, regardless of the income.

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I then refinance the PML out after renovations with a new loan (assuming LTVs and market value allow me to do so 100%).I have come across a unique situation where my traditional strategy may need to be altered and I am looking to get a better understanding (from the lender's perspective) of tax implications of short-term PML so that I can make a thoughtful proposal to my lender.Any connections would be very much appreciated. 

I am inside of a situation that I mindfully created and I am wondering if anyone could help shed some light from a new perspective for me.

You have to think about it from the perspective of the seller.

From the perspective of someone going out for the night for some drinks, if I'm not in the market for an agent for any reason, I would think 'oh that's nice of him, woohoo free drinks' and then forget his name.  

Think about it from that perspective.

@Paul Defngin if you want my honest opinion, it sounds like her loan estimate that was disclosed to her did not entail a locked interest rate and now that rates have shifted and her rate is locked, that the credit is no longer available.

A lot of them have beautiful intricate woodwork that looks very nice but is a huge maintenance task that from an investment perspective just doesn't make sense.  

Anyways, I'll be writing this into leases moving forward, but just wanted people's perspectives.