I also know from experience that if you have damages from frozen pipes the insurance co. will try to 1) verify that the property was occupied and 2) verify that the heat was turned on ( for example they could request a copy of the heating bill).

Once the disaster is over, someone from the lender will verify the structure wasnt damaged and then proceed with the funding. 

The first thing prior to this would be to verify this is a good tenant, check the lease, and confirm with the owner with a payment ledger that they have been paying on time since they have been there. 

This straightforward process allows you to verify encumbrances before considering a property investment.Alternatively, engaging a title company can offer a more comprehensive approach to uncovering liens.

Verifying last 2 years of rental history very important!

Verifying last 2 years of rental history very important!

Quote from @Rhett Tullis: Quote from @Russell Brazil:  yep that does it, we lost our home in 99 in an f5 when I was younger,  no close calls recently in OKC though,  also seems like tornado alley has shifted a bit to the east but who knows.I actually have heard of this in my research, that tornado alley is (slowly) shifting away from the Great Plains and into more of the Midwest—although I haven’t seen the underlying data to verify this myself. 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Verifying last 2 years of rental history very important!