I've never understood the people that fear getting sued to the extent of needing LLC but completely ignore or could care less about the potential of triggering due on sale clause when transferring personal loans to an LLC.Not to mention the fact that this action itself sets you up for failure from the start as there's no good reason one buys on personal name to start with....

It seems like a combination of ignorance and negligence - there were a few issues that I think they genuinely didn't know about, e.g. they installed a furnace closet in an area where it is not allowed (a bedroom).

I've been interested in real estate since I was about 17, but have been ignorant about the myriad ways to invest.

I know that the company may very well just ignore my letter just as they have ignored my calls and emails.

Ignore everything outside of those guidelines.

Here are my favorite negotiating books:Never Split the Difference: Negotiating As If Your Life Depended On It by Chris VossTrump: The Art of the Deal by Donald TrumpImpossible to Ignore by Carmen SimonThe Psychology of Selling by Brian TraceyThe Little Red Book of Selling by Jeffrey GitomerSpin Selling by Neil RackhamThe Greatest Salesman in the World by Og MandinoZiglar on Selling by Zig ZiglarThe Secret to Selling Anything by Harry Browne48 Laws of Power by Robert GreenePitch Anything by Oren KlaffCrucial Conversations by Kerry Patterson, Joseph Grenny, Ron McMillian, and Laura RoppeInfluence by Robert CialdiniSell or Be Sold: How to Get Your Way in Business and in Life by Grant CardoneHow to Win Friends and Influence People by Dale CarnegieWin Your Case by Gerry Spence

Saying "regulations like this are a slippery slope to extinguishing the industry" isn't anywhere close to saying "I'm so ignorant that I couldn't foresee the City ever imposing restrictions." 

I worked with her while she was cooperative and kept the lines of communication open, but over time she fell further and further behind and would make payment commitments and then not follow through or just ignore me.

I apologize if this post comes across as ignorant or naive, and please forgive any flawed misconceptions I may have. 

Ignore him..he probably should've googled "mortgage fraud" instead of being an uninformed internet police.Anyway, back to the relevant topic..I don't believe the cash-out refi at this point would be your best use of your equity.