All of this to say, I’m curious of others experiences selling by owner, and potential hurdles/pitfalls I should be aware of.

@Randolph Brown I don't think reserves are that common unless there are extenuating circumstances (for instance, one lender I worked with required reserves with a very low credit score).

I just didn't want to make it possible for him to sue me.First, I wrote a negative review about him on a very popular niche-related site (like BiggerPockets in your case; just be careful if they have a common name so that you don't hurt someone unrelated) and his business using this title to make sure that it ranked in the top 10 any time somebody searched for him or his business:"Joe Blow of Joe Blow's X in San Diego, CA: An Honest Review After He Didn't Finish the Job AREA CODE + PHONE NUMBER"I was careful to make sure that I just stuck to the facts and didn't call him names or use words like "scam" or "ripped off."

What could be the cost of this fix, and is this a common problem?

Is it a common thing Landlords do (around here)?

@Ashley AbramsonThey more than likely hold title by Tenants In Common.

The most common experiences people have had with Hard money lenders that they didnt like was lenders not being transparent about fees and how fast they can actually close.

Rent control is becoming more common.

If it is a common practice, then I'm more curious about the terms and conditions that I could expect from a standard insurance companyThanks

Most common: If the appraisal comes in higher or lower than whatever the LO typed in when she originated it, that means the LTV changed.