@Anthony Wick Thank you for your post & for defending me.

So I am not an appreciation snob even though I invest in a historically high appreciation area (but I do defend high appreciation markets). 

Under RCW 4.16.020, your neighbor can defend any claim by you to actually own the land he has been using, by pointing out your claim is barred by the Statute of Limitations. 

When I came up on my 2 year renewal I decided to go to Champion's school of real estate at night and weekends.

They filed it in federal court and requested discovery and a trial. it would of cost me around $40k to defend it even though it was completely illegitimate.

You can do anything you want if you don't mind defending your actions if suit is brought against you.

If no to either the Seller/Defendant should be able to use the situation to either get the Lender/Plaintiff to continue to stay the foreclosure or ask the Court to issue a Stay.

Not defending them, but charging you x% of income means they're the same as any other mgmt company with the same fee.  

If the company decides it has liability to you as the insured but not to the grantee/Plaintiff the company may pay for an attorney to defend you against the lawsuit you brought against yourself. 

If not, the grantee might have to bring an action against the grantor and the underwriter might retain counsel to defend it's Insured giving rise to the Insured sues himself wearing a different hat.