All three credit bureaus require it, as a result of the FTC requiring them to implement tighter controls to cut back on identity theft.I would recommend doing the on-site inspection so you get the actual detailed credit information on the applicant.

I am skeptical of people who use false identities, don’t identify themselves, and who don’t offer to meet and review real records and recorded documents – like you! 

(have to connect bank account/confirm identity) https://coinbase.com/PM me your bitcoin address (the public one) or just post it on here!

A red flag popped up when during my due diligence period, I found there was theft involved and lost of rent that was not disclosed in a prior month.

In the past we have taken both letters (Hello & Goodbye) to speak with the borrower and have even done a three way call into the servicer to verify identities.

One last item, and this is a question, if two identical homes n identical condition sit next to each other, and Sam buys the one on the left for $100k, and I buy the one on the right for $65k, and the closing of each transaction occurs on the same day, what is the current market value of my home and Sam's?

I found this article on bad checks in GA for him.http://www.ehow.com/about_6579055_georgia-law-writing-bad-checks.htmlThe contractor believes writing the bad check is theft by taking.

A lot of homeowners policies are an all risk policy to include theft.

Lower the deductible on your insurance for vandalism and theft. 

Generally theft is what I am most worried about on a vacant building.