We are the victims of corporate identity theft and are currently trying to get the fake website taken down. 

Risk adjust to 12%.2.  

I am still manually adjust my rates beyond what they recommend. i do find other things easy to do.

A line of credit is adjustable rate with interest only payments that will have a "draw" period usually of 3-5 years for investment properties (usually 10 years for primary home) then will amortize over the remaining term after the draw period.

Most will require basic documentation such as a complete loan application, ID, Entity Docs, and 3rd party contact information.

New-home sales hit a seasonally adjusted annual rate of 698,000.

I recommend you do this annually to adjust for utility increases and other variables.

It appears they quickly know how to adjust and select the right property.

Should I take extra steps to verify their identity and legitimacy?

When you go to sell, you're subject to tax on the amount of profit between your adjusted basis and sale price, not your purchase vs sale price.Recapture is not repaying the depreciation.