I even knocked on the door for about 10 minutes on a whim, hoping to confirm our disprove my thoughts. 

Is there something specific you're wanting confirmation or critique on?

So I was trying to be understanding and nice, I called my contractor to get a new confirmation date, and he said he got on another job that will be taking him away for a little bit, but how can he take another job when my rehab is behind?

I need to confirm that by comparing to similar units in the area as you mentioned.

I have seen folks post Regions Bank on the forums as another, but don't have any personal experience working with them.Also, to confirm what Lynn stated, I have a HELOC that I recently opened and it does contain a clause that they can call the note in, in full, if you do not maintain it as your primary residence.

confirm the policy is specifically for a non owner occupied rental, includes loss of rent/income cov, and $1m of liability minimum.

The initial LE is often just the lender's software-generated estimates, not actual fees from the actual settlement service provider(s).TLDR: Boxes A, B, and lender credit in box J, are the only things lenders have any say in.

I really appreciate you taking the time - I actually just got confirmation from the loan officer that echoes what you said.He did say that they can call the note if you quitclaim into an LLC - he said it’s unlikely but possible.

It's a property management software company that I use....plus I don't pay anything.

So we should be able to refinance them into confirming loans individually as investment properties.