This new twist of claiming you owe them money is a typical scam tactic to put you on the defensive so you won't contact them about the money they actually owe you. 

In fact, a couple of recent studies have shown that working with a broker typically saves about $10,000 on a residential mortgage.

Another avenue would be to call your utility companies and ask about installing additional meters.

Local banks typically offer lower interest rates but might require a solid track record and detailed financials.

Need to watch out for utilities like water meter, electrical, gas, and sewer.

Passport 2. 2 Months Bank Statements showing downpayment + closing costs and reserves (typically 12 months) 3.

I need something simple that I could utilize today.Thanks you will not be able to get something today. in order to pull credit typically you must have a background check done on you and the company will also come visit your office and confirm you have specific security policies and procedures in place. 

Will you explain how a typical extension would work, please?

Typically there is a small window for you to appeal (although this could vary county to county). 

Not to be a downer, but I'm not clear how I would utilize this metric to manage my properties.