When problems arise later on the manufacturer says it's not the product that failed it's the contractors poor application of the product that is causing issues.

This is the #1 reason why most builder's fail, if they own the land, the carry costs are relatively low, but the moment they tap into the land equity for additional capital, is usually the moment they are finished. 

During the first year, my tenant failed to pay rent on time and sometimes we had to threaten him with eviction letters.

And, failing to disclose that there is a second position lien may be mortgage fraud. 

I couldn't even tell you what my process was for screening the management, but I failed miserably.

I took advantage of that for many years, but many people think that with the ongoing exodus of people from Cali, plus the continually increasing taxes and fees courtesy of your Governor, that Cali could very well start to fail.

If Borrower fails to pay these sums prior to, or upon, the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower and will be entitled to collect all expenses incurred in pursuing such remedies, including, but not limited to: (a) reasonable attorneys’ fees and costs; (b) property inspection and valuation fees; and (c) other fees incurred to protect Lender’s Interest in the Property and/or rights under this Security Instrument

I think what most borrowers fail to recognize is that real estate is a long play.  

I've heard of being a J violation.Here's a linkhttps://www2.myfloridalicense.com/construction-industry/faqs/#:~:text=A%20%E2%80%9Cj%E2%80%9D%20violation%20is%20abandoning,failed%20to%20perform%20without%20cause.your contract may have an impact on the outcome. 

I am also considering maybe readjusting the flat rate to cover the usage but I don't like this idea for I feel like it has failed me already.