I was born and raised in Chihuahua, Mexico but have lived in Denver since 1994.

Hi Cole,Being an investor in Cleveland and having been born and raised in the area for the past several decades, Cleveland has seen growth and reinvention.

Split seams trap dirt. 

Refi w/o employment check, just a drive-by.I feel your pain and understand though.That may be true Jeff, but you failed to mention the fact that they are holding your first born as collateral!

I actually just received similar news 2 weeks ago as well, and that's after my son was just born on christmas eve 14 months ago.

This is called a value trap.

There is no perfect deal, so be aware of this to avoid the trap of analysis paralysis. 

The tenant thinks I'm responsible to pay to trap a skunk that's bothering them by hanging out stinking up the yard and messing with their cat .  

Then two weeks later I have pest control go back in and bait in the kitchen (or any place else the resident has seen roaches) Also after the spray we put down sticky traps to monitor the activity.  

You certainly should have anticipated this possibility, worded your agreements accordingly, and not set yourself up for this self induced trap.