It's a good idea to get them involved early.Account ClosedWhere I find e-mail addresses and phone numbers is from a CA probate court-mandated form called Duties and Liabilities. 

If you are additional insured, then that can cause issues so be specific.Also consider adding the mandate in your pet addendum to add the pet rider to their policy.

Your statements are all true re: mold toxicity and most people as well as the lack of an accepted/mandated mold protocol.

@Laura Hines Re the 1099s I would consult what sounds like your eventual CPA on their opinion Mine just told me once you send one you need to send all, so dont send any until a mandate gets passed.

But assuming only one lender, any surplus goes to the owner, there’s no fighting anyone for it (the bank can’t even touch it) just a mandated procedure.

Thankfully NAR was wise when they created the mandates.  

And I know most if not all states have the same laws.But buyers should also know the laws. in our state of Orygun.. if you were not given the state mandated disclosure doc prior to close you can cancel at anytime and get 100% of your EM back ... so you can come up to closing day and if you have not been provided with the disclosure you can just back out. 

(In Pro-per).For an out of state PR to come to NY to file court-mandated paper work, it can be tedious as it will take away time from their personal lives and if court appearances are missed, the estate will take a little longer to settle.The only time you'll want to hand write is at the bottom of your letter and/or the envelope.For your return address don't use  your personal address..

All of that said, if you reach out to local/regional banks they might mandate less down (that the standard 25% for an investment property) if it's a great property, you have assets, reserves, etc. irrespective of if you're occupying the property.

I'm no opposed to regulation, licensed trades, or the like, as I've said numerous times, what I am opposed to is the government mandating something that some people can do themselves.