Ultimately, it's difficult to confirm the identity of the borrower. 

The tenant understands that the property of the Tenant is not insured by the landlord for damage or loss of any kind (action of third party, fire, water, theft, vandalism, storm, heat or cold, electrical damage, pests, mold, accident, etc.), and the Landlord assumes no liability for such loss.

My process is almost identical. 

The online eFile providers can do it for you, sometimes for free.Warning: Email is NOT secure, and you will expose your contractors to unnecessary risk of identity theft.

Have you tried calling the local police department, or sheriff's department, or the Texas Rangers depending on where this theft took place.

I'm seeing new neighbors of basically identical houses with maybe 50 or more investors in the community. 

Most will require basic documentation such as a complete loan application, ID, Entity Docs, and 3rd party contact information.

Sharing understandings and rules on guests, cleanliness, chores, pets, drinking, drugs, boundaries, house identity, conflict resolution, communication platforms, etc.

I get having a driver's license to verify identity, but recording your head turning like a mug shot is a little much. 

It will be an identical home to the one I’m currently building, and I expect to need no more than $160K in financing.I’m not looking to overextend myself by taking on too much debt, but I want to make sure I’m approaching this in the right way.