Broker Says Clear to Close, Lender Says Clear‑ish, Owner Says Add Free Rent

Broker: We’re clear to close Friday Lender: Cool—just need updated rent roll, estoppels, SNDA, ALTA, T‑12, and a roof that exists Owner/Landlord: Also toss in 3 months free, push CAM to tenants, and shave 200 bps, right? 😂 Me at 2:07am: Re-underwriting the 5th retrade—Excel #VALUE!, DSCR vanished, cap rate is gaslighting me 🫠