@Xavier Rodgers sorry I was referring to overnighting closing docs too.

Make a story about trying to find a leak.

When you have stacked units you have to contend with noise complaints, water leaks, stairs for the upstairs tenant, less rent for the units, who uses the yard (side by side house a little yard typically), parking, etc.  

They are talking about Collateral in the loan Docs.

Sometimes it's forced by circumstance (i.e. roof leaks and forces a renovation of the flooring).

Often have "low doc" options where the cash flow of the property predominantly supports the loan (vs. borrower W2 income)BEFORE you purchase, you should talk to at least one mortgage broker and one banker to get a preapproval on what you plan to do and a list of anything you need to do to improve your position to get the desired refinance loan.

make sure it does not leak anymore. 

After that it was a 5 min phone convo to get some additional docs to avoid waiting until Tuesday for the employment verification.

Leaking hoses are the number 1 flood reason in homes.

It's not a water leak as I can see that the water bill is 15 dollars.