Only those with something to hide have something to fear. 

Really, all of this blows my mind that a company can behave in this way and literally be making hundreds of millions of dollars per year just by fear based selling tactics.

What was the largest fear you had starting out?

We understand the concern and fear that some investors may have.

I searched my email for the link when I downloaded but I fear it may have been deleted in junk mail.

They apparently do not have time to verify permits (under what criteria units were added or that the work was even done with a permit).To the OP, I fear your property will consistently appraise low when obtaining HELOC or refinancing and that a re-appraisal will not reflect what you are seeing of homes being appraised with an agreed upon negotiated selling price.I am not saying this is the way it should work. 

Don't fear UBIT as we always say, just understand it.

Don't let fear stop you from making a decision that can improve your life.

Maybe I was lucky that I have started investing before information became ubiquitous on the internet.The biggest fear (being cash flow negative) is not even a real threat, because it is manageable and it will fix itself over time.

Now it’s crossed over and it’s done out of guilt compulsion and /or fear .