As they had very little knowledge of the property I could understand their reluctance to stand behind anything regarding it.Our EM was refundable until we finished DD or at the end a set time frame.

I've done monthly, not days.You could stand to make money off it.

Matt Swan in Vegas is very good understanding flips and knows how to stand up to an audit, also when to suggest a tax attorney.

So, I would choose the vinyl planks because they are more durable than laminate and hold up better than laminate with standing water (like a person who "sop" mops). 

With that said, use your common sense, or business sense to determine when you should be nice, and when to stand firm and adhere to your business principles. 

Other states which have stand along Mortgage Servicing licenses this is more par for the course though the capital demand is probably higher than those states mandate.  

My statement stands.

Should you stand until the market supposedly down cycles?  

"Sit, Walk, Stand" by Watchman Nee."

Also by standing at at the door and calling the police, the tenant might rally