Flagstar is denying one of my files saying that my home owner can afford the home and they will not do a short sale.  His only option is to pay off the home in full.  Has anyone experienced this before?  He has not missed a payment yet either. Does he have to miss a payment before he does the short sale?  If you have experienced this with Flagstar please let me know.  I have closed a few short sales with them already so this is a first for me as far as completely being turned down to do a…