@Konrad Lightner it looks like @William Allen already answered some of your questions.When comparing, make sure you are taking into account which fees are lender-specific and which fees are for third-party items that you will have to be regardless of which lender you choose.

I called the local fire department and they said that I don't have a legal obligation to supply these items.

I expressed my sorry and asked about what items were taken.

My need right now is some actionable items for me to take for starting out in finding these deals.

We have done alot of deals the way Joel outlines, however we see a difference in what we do- light rehab (we refer to it as CAPX, which is the items HUD will require us to upgrade and repair before we can stablize and refinance the asset)- and Rehab is what I think Joel is referring to- total rehab from the studs up (which we would only do in a tax credit asset or 501(3)C bond deal for a nonprofit asset -it is very costly & time consuming).We have found that when you start rehabbing multifamily one thing is always true- always expect to spend more than you budget.

Joel is correct, watch your sources, but you may be able to run to a good market too, higher costs, some items (meat) may not be consistant, which is the key, customers need to know what to expect every time, make changes slowly too.

My suggestion is, obviously, in the first post of this thread.It should cover all but the first item in your above list.Maybe I am missing something, but why do you add 'hospital'?

When this loan was originally offered in 2005, I know we would not have had all those items they are asking for because we lost everything in the disaster.

Sorry, missed that item.

I was just wondering about when negative items fall off someones credit report?