You should only have to change when your current software has a flaw or lacking feature that is causing you to spend too much work on a work-around.

The biggest issue I could see you coming across however is passing qm due to a low loan amount causing it to be a high cost loan.I'd be more than happy to answer any questions you have on anything.

But that could cause issues with the owner carry.There is a way for him to both do a 1031 exchange and turn the note into a tax free note. 

Quote from @Kerry Noble Jr: find Lucy Miller on FB....shes killing it in STL will do and thanks. we need to chat cause im about to be doing business in indiana as well

They are constantly making deliveries with their own truck and crews, NOT random handymen or lazy moving companies, and I have never had them cause any damage to a unit.

We were told by our mortgage bank that Refi as a primary mortgage is not allowed unless you plan to live on the property for at least 12-months; it's possible to later (like 3 or 4 months later have a "change in life" situation) that causes a change and forced you to move.

This is only going to get worse and cause more damage. 

Too long and it tends to slip under the flapper, causing the problem you observed.  

However, don't let it cause "analysis paralysis".

We had a cleaning crew just today elect not to show up, causing us to have to move the guests to another cabin.