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.

@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.

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.

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.

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.

The city of Portland also recently passed inclusionary zoning mandates that require any multifamily development that has over 20 units include 20% of affordable housing component. 

Some states use a title company/escrow agent system, some states mandate using an attorney for escrow. 

My only strong suggestion is do you research - especially on local and state government plans to squeeze landlords with taxes, fees, and mandates.

IN MANY STATES, SECTION 8 NOW MANDATES THE USE OF THEIR "BOB.AI" APP.