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I have recently seen a rise in credit score requirements on loans (to include FHA/VA borrowers), debt ratio reviews, additional diversification and some liquidation in the portfolios of credit unions as well as banks to strengthen their position in preparation for what is coming ahead in the markets.   

Sounds like they're at the end of their life cycle, and just getting them touched up will likely end up costing more in the long run and hurt your reviews if it dies in the middle of someone's stay.

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It seemed to get some of best reviews around.

Anytime you need a contractor referral just send me a DM or if someone would need help understanding or reviewing a contractors bid, let me know - a person can gather significant information quickly from having 2 or 3 bids to review and compare. 

Have you ever given a tenants deposit back too early and then discovered damages upon further review?

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First thing you need to do ... is do a serious lessons learned review of what you did wrong.