During the rental process, we independently keep track of: The leads who contact usNamePhone numberEmail address (if provided)How they contacted us (Zillow, Trulia, CL, Hotpads, etc.)Any other details we deem pertinent.It may be overkill, maybe it could help us prevent and/or investigate/report this kind of fraud if we need to.It sounds like we need to step up our game the next time we list these properties.

But if you have commercial type loans, you may not have much of a choice and HELOCs do not count when you are under audit.

I'm an investor and I'd still prefer the JADU owner occupancy requirement not be removed because JADUs by design don't need to be independent living units.

Goosehead is a independent agent business.

These are two very different and separate loans (completely independent of each other, I think it is safe to say), with entirely different parties and collateral.The unit owner's mortgage, originated prior to 2017, with a current balance of $800,000, I would think, should be totally exempt from the $750,000 limit. 

It's not common (because audits are rare), but this type of reclassification does happen and is messy when it does. 

Nate,I would suggest finding an independent agent that writes Commercial Insurance.  

i had in mind maybe something solar, independent and cellular so I can install on the beginning and dismantle as soon as the flip is finished.What do you use?

So while there are independent groups out there, I would venture that most deals are being done through the big houses: CBRE, Cushman, Colliers, etc. 

There are a lot of potential benefits independent of asset protection when owned through an LLC as well.