Back at the LO assembly line I was trained to just write what the underwriter wants to read that is also true to the best of my knowledge, give it to borrowers to "check for accuracy," and then sign what I wrote.

He put up beautiful molding in our house.Action roofing is also good.If you talk to them please let them know I referred you.Good luck!

Long story short: The project was completed beautifully with the new contractor.

I want to build more precise worksheets so I can have a better idea of the true cash flow in the future.

I think that's probably true because I've heard it from a couple of KW agents.

We're new to Texas and not sure if the same lending practices hold true for all states? 

I see red flags and it seems too good to be true.

This is true; I pride(?)

Florida also does not have a state income tax which is a beautiful thing.Come on down!  

That's the beauty of real estate is that it is not a race to the finish line against other investors/people in the industry.