It's bigger, but they try to sell you all kinds stuff.

If you look around you can get very good stuff on Craigslist and Facebook. 

She has cleaning stuff in there but nothing much.

Definitely a focus area from lenders, conventional or otherwise - theres been a reported uptick in occupancy fraud or funny business lately as rates and values have continued to be so high and qualifying so tough - people are more likely to bend the rules on stuff like this - so this is generally the lender response

If rates come down a hair, it'll do absolutely nothing but hurt the economy.

Ultimately it is the owner's (your) responsibility to discover all this kind of stuff and make all the calls to the city/county, checking on any restrictions in place.

Day of signing, tenant goes missing, and never came back, home sits with all his stuff 2 months. 

And Grit is just busted up "hard stuff" that stuck, becomes part of you, a new layer, that you can do nothing with, or put to work for ya. 

Normal home owners insurance covers the house, liability, a bunch of miscellaneous items, and all your stuff (furniture, clothing, appliances, etc etc).

Looking for suggestions from people who have done this kind of stuff before