there are alot of cities passing regulations on denying section 8 applicants as a form of discrimination. 

2 year tax returns, seasoning period, certain amount of income to get full value, etc...Also, what can get you denied?

How do they view applications to change zoning (tendency to DENY vs consider APPROVAL?).  

I understand I need to write the "denied" tenant a letter with the credit reporting company information.

Speaking strictly from a claims standpoint, (if you had a loss that you needed to file a claim) the umbrella would likely be the better option, as sometimes something that may be denied under your liability policy may be  covered under an umbrella policy.

Of course the tenant denied the extra people....she even said that one of the extra beds was for her to fold laundry on ;)So the easiest eviction is non payment of rent, or anything else in your lease that is described as "additional rent".

We pay every loan on time, automatically, so they'd be dumb to deny any loans we bring them that are good deals for us.

Again, this is from my experience thus far in the PA, NJ, DE, NY area.

Now the outside of the wing wall has fell and caused my portion to severly lean, and now they say it's ALL my resposibility, even though they told everyone else that their wall was their wall and my wall is 50/50.My Insurance does not cause pay for structural damage,claim denied.

(Go ask why it was denied)  The property might not pass inspection, whether appraisal or property.