Couple additional things: We pay for high quality photos and create marketing pieces and push it out to our market.

Let’s roll up our selves push through this as I know we have great energy & great purpose.

I listened and pushed comfortably.

But saying "gee willickers mr consumer you sure are right the rules are dumb but what can you do, this darned technicality" (snaps fingers) is, in some eyes, "good customer service" (especially since the person saying that knows you can't fix it in a week or a day, if you could then they'd have a reason to actually be accurate, as it stands there's zero incentive to be accurate, they're just trying to push you along so they can work on the next loan number, since yours is about to be denied [they are paid in part by the hour, but also in part on production of approved/closed loans]).Here's what's actually jamming you up.

Rooting for you.

I hold debt for Reno and business to keep pushing money into investment while making the minimum payments.  

If you close on the property and then discover the roof is leaking, the main sewer line is nothing but tree roots, really any major expense, that can easily put a borrower in a position where they do not have enough actual cash to solve the problem, so the property loses value due to deferred maintenance, or the borrower digs themselves into more debt, making it even harder to get another loan to cash me out of the equation at that upper 20% of equity.

The newspaper published an article saying they think a mini recession will hit Miami soon as the median income is 42k and all the middle class are being pushed out of a large area of Miami.

I had a similar incident that happened not too long ago and it was what finally pushed me over to do property management.

My recommendation is that you never push for leases longer than one year.