Does SLS not think it's a short sale. is that why it's a pain?

Sounds like you may be dealing with a “professional” tenant that could be a pain for many years to come.

We had some squatters in a property that was part of an estate that I was Administrator for in Cook County Illinois (Chicago).

He also said that it might create a lot of pain for a new investor like me since the HOA might harass me even though they may not be able to fine me legally.

I'm a bit more reckless and willing to take some pain to learn.

Sure, we can be a pain in the butt to deal with sometimes.

I don't know why, but I feel like getting a refi is going to be a pain in the ***.

Tiles are a pain.

It's always a pain to find what you want and then hit a road block because you have to adhere to specific guide lines or requirement of the bank.

AFAIK, this only applies to re-fis since they're probably trying to protect their yield on existing debt.Since FMAC is CMBS, the re-fi stuff is a pain since it's been sliced and diced and then put into a portfolio with a 1000 other loans and sold off to 3rd parties.