Since you closed the HML at the end of July, it's possible that it shows up and the lender asks you for an explanation as to what this is for and if the "pull" resulted in any re-occurring debt.

@Ned Carey...has provided with solid info. 1st thing I did was call the tax office and get explanations on the process and redemption periods.

I have finances numerous properties with a commercial loan in my own name.

Income is enough, but haven't had same job for 2+ years, so that's unreliable income, can't use it ( worse explanation ever)(even though we left previous position cordially due to a higher salary, doesn't matter)3.

RE prices are being numerous parameters but a primary one is expected appreciation (property and rent appreciation).  

Hello Chris Breezy from New York, this is the best explanation for our current situation that I have found and Peter Schiff explains what you need to do with Cash to survive on his youtube video, "The Fed Will Seize All Your Money In This Crisis"

Supply chain is an issue in nearly every industry currently :/Let's chat about staffing, I've got some insights on a solution for this from numerous chats with hundreds of companies.

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchange "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.

The previous owner reported to me that it has been patched with caulking numerous times already.

It must be written and presented in a way where at a glance he can't miss the differences...and then wants to see how and why,...by turning the page and going through the details/explanations of the how/why.