Of course, in this great country of ours everyone charged with a crime is innocent until proven guilty in a court of a law.  

Even if I were sued, I document everything and obey the law, so I won't be found guilty.

I”d also argue that the foreclosing lender/law firm may not have had a legal duty to notice you.Often, these things are resolved by lender’s attorney “inter pleading” the funds in court and letting claimants file documents that prove their entitlement.

Even if I were sued, I document everything and obey the law, so I won't be found guilty.

Don't feel guilty because you don't want to buy the extra coverage for $7,200 if you are comfortable coving those claims out of pocket.How many claims have you filed in the last 5 years that would fall under the DP?  

Tenants will try to pull at your heartstrings and plead for compassion. 

I am not a glass half full person, I just like to make prudent decisions when pertaining to the long term.I've definitely been guilty of paralysis of analysis

While asking questions over the phone does eliminate some perspective tenants from viewing the unit, I've found that quite a few will lie (especially about credit), thinking they can use charm/pleading to convince me to make an exception for them. 

If I end up having to cancel, I will plead my case to VRBO that it was a legit reason, but I also would be willing to deal with the penalty if need be since almost all of my bookings come from AirBNB.Thoughts?

Even if I were sued, I document everything and obey the law, so I won't be found guilty.