@Steve Armstrong nick borders with borders home inspection

Application fee with every application can even be considered taxable income, and as suggested earlier, bordering near unethical.

These are the compliance auditors and examiners for institutions generally, this is still a gray area as you may have a small bank officer who has had to self-study through this maze , then you may have a compliance officer from a large institution who has attended formal training, so consider that. 

Nothing formal.

We were thinking about bringing a bottle of wine to the two houses bordering us and giving them our info so that they can call with any issues.

If you are not in a flood zone that would border on Insanity to pay for flood insurance.

It's one thing to have a consultant help you with a really good formal background in the field.

Was just thinking something more formal (unsecured note) would help paper trail the source of funds if we do delayed financing.We qualified for loans on this and the AZ house without any consideration of rental income (STR or LTR) on the property being purchased, so I'm not concerned about lack of 2 years of rental income for this purchase and/or refi.We looked at expediting/rushing appraisal, but with AZ no appraiser would take the file, and it sounds like only one is willing on the OR property (wanted to charge $2500 and still be 6 weeks out), Based on phone conversations Friday if it's "on hold" even that may not be an options.

I use Nick Borders, he is a bulldog, reports are thorough.

I can't believe there is not a formal, legal challenge to this.