However, when i looked up the lien records, there’s a health care lien of $89k, dated from 2013.

As someone with a background in computer security: Your instincts regarding the insecurity of sending private information via email are good.Never send anything via email that you wouldn't feel comfortable mailing on a postcard unless you use a specialized encryption tool that encrypts data while in transit (you'd know if you were, because they're typically hard to set up and a pain to use).

Wasn't great for mobile (google spreadsheets on the phone is so so painful for me) and I also couldn't keep pictures of the receipts so it didn't feel complete. 

Hubby says they make enough money but just cant figure out how they get/got behind.. to me its basic math to others its a challenge and we know that 2 to 5% of borrowers are challenged this way and go into foreclosure for a myriad of reasons some is legit.. loss of job  health etc.. but many is just mis management of income to expenses.Consumer debt for these folks is what I came to believe is the real killer.. too easy to buy expensive cars too easy to buy motor homes and campers with the 20 year payments.. boats etc.. or just whipping the credit card out .. renters it seems are more human condition.. drugs alcohol  baby daddy broken family stuff .

EDIT- the reason I was led to believe these disclosures are painful from an agent's perspective is because of the following excerpt in my CA licensee study materials:A transaction is not invalid if the required natural hazard disclosures are not provided, but the person who willingly or negligently did not make the disclosures is liable for damages.

I'm trying to learn more about the real estate industry by studying for my California real estate license.  I'm currently learning about conveyances and disclosures, specifically the Natural Hazards Disclosure Stateme...

I'd imagine this would be a small membership fee site.2) What's a pain point you have with investing in real estate right now?

It is no different than prescribing pain killers or antidepressants.

It has been over a week that I submitted my conditional documents and it is still not fully approved.The lender that my LO signed me up with not only has an underwriter review but also a Quality Control review and a final investor review (So, they can sell my mortgage in the secondary market immediately)So, how likely am I to go through all of these levels of scrutiny in just 2 weeks if I don't even have the full underwriter approval yet.I am so worried that it is starting to impact my health now.

Close, put the $250k you planned into it to fix any health or safety concerns then use the cash flow to fix up the building or redo units as tenants turn over.