She's not employed, and on one of my property purchases, her score had taken a hit for an identical reason as yours, and they wouldn't close unless I removed her from the loan (she did go on the deed).Also, are you seeing your score from a true credit bureau?

Do you have any invoices past due 30 days or equipment that can be used to buy the store front without using you existing cash?

(Not complaining, simply stating) Making a recording, whether audio or video, would add to the complexity, work and expense, taking into account recording payroll, equipment, editing time, uploading, adding a shopping cart and merchant account, etc.

I have done this several times before so know what to do and have the equipment to do it myself including tractor with hole auger to dig the six foot hole and front end loader to help set the 25 foot poles (not exactly fun or really safe to balance and tip up, but it works). 

I actually think it's important primarily to spot reporting errors and identity theft.

If you accidentally go straight to "my smart move" you see an almost identical site but can't log in.

I've never had a performing loan turn non-performing so I can't share first hand knowledge on that, but certainly something a qualified servicer should be equipped to handle. 

Is the property HI because of the past tenants or is it because it has heavy lift machinery, smelting equipment, etc. on site?

The two homes are identical for all intents & purposes - 3/2 brick ranches, 1100 square feet.We rehabbed house #2 (subject property) identically to house #1 (february sale of 111k).

If the expenses are identical, the percentages are different.I bought two houses this year, both pay $1,200 rent per month.