My payoff was then added to the sellers side, I’d be paid back at the time of closing and seller and buyer then would take 2nd position from seller finance and my payoff on sellers side should have been wired back to me.Never disclosing another lien on the seller side and nothing in the HUD, we theoretically had no concerns.

I am prevented from disclosing details due to a settlement gag order.

I know we're in a good position because the sellers will now have to disclose some of the crap-ton of problems their place has and the foundation expert said that by refusing to fix the foundation they may end up having to be in a "sold AS IS" position which will drop the value significantly. 

As many of you know, Assembly Bill 968 will take effect on July 1, 2024, mandating flippers of residential properties to disclose recent repairs and renovations if they sell within 18 months of acquisition.

I know its expensive but you will be well protected :)Or you save a lot of money and be better protected by doing this consistently and well:-carry appropriate types and amounts of insurance-sign contracts with indemnification provisions- obtain all necessary licenses and permits to operate your business-ensure all vendors/contractors are licensed and insured and list you as additional insured-sign well drafted and fair leases and be a responsive landlord -be an active owner or hire an active PM  who avoids or at worse timely eliminates premises liability exposure The strategies you often read about are sold by alarmist asset protection companies who fail to disclose how impractical they are.

I do have to disclose that I am on a student-based work visa at the moment called F1, I am unsure whether this will affect my ability to buy real estate so would love more guidance on that!

having been a Broker for 45 years I am all for paying the commissions  but add on like this not really unless its fully disclosed prior to working with them and we agree on it..

Yes, there is an argument made that they have to disclose anything material, but that is subjective.With that said, a red flag that came up recently for me when investing out of state was when I was in escrow on a property that was purchased just a few months prior.

Not sure of the legality behind finding and publically disclosing this information (mail fraud potentially?)

The DSCR will still have a personal guarantee, and whether reported to the credit bureaus or not it needs to be disclosed as a debt, so there's no benefit there.