There was a dry-cleaning tenant from years ago and property required a phase 1, vapor test, and eventually phase 2. During this longer process, the rate had severely changed for the worse, climbing upward almost 75 basis points. However, we were able to negotiate with the lender to keep the initial locked rate at no extra cost to the borrower. In addition, we had title issues, where the property was held in a Trust, and one of the Trustees had passed away some time ago and a survivor’s trust should have been created and was not. We were able to get around this legal issue and uncloud the title, help the borrower get a clean phase 2 on the property, refinance their loan from the mid 6s to 4.9% and get the borrower almost 500,000 cash out.