They were expensive, did not cover everything and had high deductibles and always had to fight with them.

Catch all the red flags prior to submission cause once you submit a file that has uncaught red flags, that's when your process slows and lender's get nit-picky.From a lender, I want you to work fast, if I am hustling on my end to make it easy for their processor and underwriter then I expect fast work with an open line of communication and I want my rep at the lender to be able to fight for me or my clients should an obstacle arise - which they usually do.

I say things in hopes that my FRIENDS will jump in and fight for me because my "little" emotions can't take on this person by myself!

Why is Denver fighting the rent-by-room thing?

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

There is a team of individual and corporate investors who have hired a firm to fight these efforts. 

If they are right, most likely chances of fighting it and winning are nil but you can try

Our form lease forbids any adult from living in the house who is not on the lease, but am I just setting myself up for a fight later?  

And if you have a property and a loan out there, and you are cash flow negative because a recession hits and rents are dropping, AND values are ticking down month after month, how long are you going to fight through, especially as a newer operator, before you call it quits, take your lumps, and move on.At the end of the day, there is money out there.  

Today, I've been taken advantage of, and I'm now fighting hard to recover my money.