There's a Big Difference in the eyes of the authorities. 

Hearing date by city for official approval or denial is in august.My current loan has about 145k left on it with a 3% mortgage.ideally would like to subdivide keep my existing mortgage on my current home and not affect the rate then get construction loan for new build.

Looks like the local authorities are not going to allow this is as an STR.

I would personalize it with a picture of yourself and sign the bottom to make it official.

There's so many links in the chain that can fail in that 30 days between when you get an executed contract and when you officially close. 

The volume is now averaging 15,000 requests per month, with no additional personnel authorized because all the extra work does not result in increased sales.

Now the big banks hire trained robots with zero authority of real knowledge.

So, I've officially on boarded with Exp here in HI, I didn't expect the signing up and all that other on boarding stuff can take so long to do!

I've received 2 K1's so if this is fraud then i'd imagine they've committed a federal offence by issuing false documents to the federal authorities.

Then you have a basis from which to address it with the tenants when you take over or you have their authorization to withhold it from the security deposit.