@Phil Kerb I might start by hiring a lawyer to write a letter telling the neighbors to remove their stuff.

The premiums is dependent on head count and mixing the two businesses makes no sense since I was planning on hiring help for my management business, and as it turned out, the state comes by and does an audit of your business and locations.

Any advice on the language or a letter I can use to reach out to the cosigner?

I understand I might be do a mix of some of the ones I listed but I'm willing to learn and be adaptable.

Accreditation is achieved by either proving the investor has a net worth of $1,000,000 not including primary residence; by proving that the investor has made $200,000 a year over the past 2 years, with a reasonable prediction to make that again this year; or by a letter of accreditation by a CPA, attorney, or other professional.

Which would be a matter of having your father write a brief letter, which should not impact your loan at all.

How do you handle this mix of emotion?

She just received a letter from them, 71 days after stating that they are not only keeping the deposit, but she owes them money.

I just received a letter from the city stating that the property has appraised for $177,00.

Mixing money and family is a recipe for disaster, particularly when that money is supposed to be for your retirement.