Thanks for a detailed reply mate however construction is very high risk proposition especially from overseas and has potential to go wrong on a lot of fronts together.

They found nothing wrong and the stove was fine.

I genuinely welcome someone to give me a real example with actual numbers showing how I'm wrong and I will fully admit it, but I just don't see how. 

In the world of note investing, you have to consider not just the upside but the potential for things to go wrong, especially when you're dealing with vulnerable borrowers.

@Stuart Udis Nothing wrong with disagreeing with me .

If the loan officer won't do that for you, you've got the wrong loan officer, find a new one.

I had a similar situation with a tenant who kept complaining about noise in my fourplex, specifically bathroom noises from the upstairs unit.I told her I didn’t think she was happy and that we probably chose the wrong apartment for her.

Tenant agrees to immediately notify Owner or Agent in writing by certified mail of any dangerous or hazardous conditions existing on the premises.”It was my understanding that even if she were on a month-to-month, she would still have to give 60 days notice.Am I the one who is wrong here?

I don’t see anything wrong with paying points if you like the rate, getting it to a level you like is just personal preference.You’re either going to pay it on the front, or the backend. 

Am I the one who is wrong here?