However, you would not believe the sheer numbers of international actors involved in identity theft and how ridiculously lucrative that business is.

He took our personal and confidential information including drivers licenses, social security numbers, bank statements and other sensitive information we gave him to prove we were worthy to fund HIS deals and he purposely and maliciously violated the signed confidentiality agreement by putting it all on the dark internet.

Is it a regulatory thing (SAFE Act or other NY law) or just a product of the historic low rates?

I was NOT suggesting that you are maliciously misleading people.  

Punitive damages wouldn't be applied unless it was clearly a malicious nondisclosure which is something you don't have to worry about if you operate your business in an honest manner.

So there is a consensus in certain asset classes there of a softening.New York, California,etc. are more appreciation driven markets so they do not act or perform like many other states in the country.

You can have a written policy to determine a fair and reasonable buffer for the student loans but denying them outright Because of their total debt an easy case to win on a violation of either the Equal Credit Opportunity Act or the Fair Housing Act.You need to come up with a fair and reasonable way to deal with this situation and your current analysis is not close.  

She's not a malicious person and there were a lot of extra things done to the apartment to protect it against damage; or at least make for easy repairs or a simple cleaning.My true viewpoint: I was a homeless veteran when I got into real-estate (yeah...long long story) and I wanted to be a veteran business owner in the business of providing housing and better quality of life for our vets and veteran families. 

Persons and entities already licensed or registered related to the rental or management of property by the Department of Health, the Real Estate Board, the Virginia Real Estate Time-Share Act, or a locality would not be required to register.

My insurance is covering her damages to my unit under a malicious mischief claim.