@Izraul Hidashi I’m not claiming to know how the entire banking system works but I feel that I have a pretty good idea.

On this one I had to but the bullet because they had converted a bedroom to a bathroom at some point and I really wanted to restore that bedroom so invoked claim the higher rent.  

But they claim that those people were not actors.

I don't remember the precise words, but essentially he claimed that there was some sort of standard rental agreement applicable to the area and he could not (perhaps in reality would not) add anything to it at all, which struck me as oddly questionable.

Claims" are an insurance matter.

@Patrick Roberts wrote:"@Jay Hinrichs I know of one person who is buying high LTV preforeclosures Subto while they’re off market by paying the owners around $10k-$15k to walk away, quit claiming them into an entity, then seller-financing the entity holding title to the property to owner-occupants under the pretense that it's for commercial purposes on interest-only balloons at inflated values."

This protects against potential claims and liabilities specific to the rental.For tax purposes, maintain clear records of rental-related income and expenses, allowing deductions for insurance, utilities, maintenance, and depreciation proportionate to the rental unit.

This can help protect you from discrimination claims.

The Justice Department, backed by 10 states, claims these landlords—who manage over 1.3 million rental units across 43 states and D.C.

Upon further investigation, I found several more properties under similar circumstances.At first glance, it seems possible that these properties were either gifted to the nursing home by former residents or claimed as repayment for services rendered.I’m new to real estate investing, I’ve been in the education phase for the past 2-3 years.