I sent out some yellow letters a few months ago that I'm still getting calls on.  

If your loan is with a bank they will likely send you letters about the loan contract requiring you to have insurance.

Most of the property managers I've used keep the late fee charged to the tenants for late payment of rent, saying it's because they have to post the notices and mail the letters, etc.  

After you hang up with them, meet with your attorney--a strong letter to the managing agent often does the trick.  

The FCRA requires that you send the applicant a letter advising them of certain things due to an adverse outcome.

If you can do this with a CPA letter or Articles of incorporation that will suffice.Now this would be a cash out refinance and not a HELOC so coupled with the comments on commercial, local banks, HML's and looking for a good Loan Officer you should be able to get that cash out and use it to grow your business.So if you have tax returns how did you have you CPA structure them?

If everything else lined up with her, your letter would make the difference for most.  

By owning a membership for less than $20 personally or $40 for your business, you get unlimited legal advice, 24/7 emergency access to an attorney, contracts reviewed, letters or phone calls on your behalf, IRS audit legal services, trial defense service in case you are ever named in a lawsuit up to 300 hours are included with the membership, you can purchase more for an additional $10.

I do appreciate your input on this and I'll post the final numbers over on the marketplace forum APN# - 000 PURCHASE PRICE $0.00 PURCHASE COSTS Inspection $0.00 Closing Costs $0.00 LenderFees $0.00 TOTAL $0.00 HOLDING COSTS Mortgage Payments $0.00 Property Taxes $0.00 Utilities $0.00 Insurance $0.00 TOTAL $0.00 SELLING PRICE $0.00 SELLING COSTS Commisions @ 6% $0.00 Closing Costs $0.00 Home Warranty $0.00 Termite Letter $0.00 REHAB COSTS $0.00 TOTAL $0.00 TOTAL EXPENSES: $0.00 PROFIT/LOSS: $0.00

When they told us how to get a proof of funds letter in class, it seemed kind of sketchy.