@Jamie BatemanIf I understand what they do- it looms like they are just a middle man where someone wants financing on a property they find a lender for it and will create documentation.

Innago is an excellent platform that not only enables you to market your properties but also offers a link for potential tenants to submit applications, including credit and background screenings.

Being in NY maybe something to do with physical document transportation?

Fake income documents are easily purchased online, and inexperienced screeners often miss red flags.

There's only about 2 types of work permit I know: closed  vs opened work permit: where the former has a condition of which employer the holder of the permit can work for (it's specified on the document); while the latter does not have that condition; hence, the holder of the open work permit can lawfully work for any employer.

I am assuming that you have a well documented move in inspection showing that the caulk was in good condition when they moved in?

Calculating these losses involves documenting the fair market value of the property before and after the disaster, adjusted for any insurance or other reimbursements.

google "all inclusive Deed of Trust" fantastic CA document we used all the way back in the early 80s If I'm not mistaken though a wrap would require the 2nd buyer to also agree to financing terms; which would be the same as me (the 1st buyer). 

We use RentRedi for tenant screening and management, lease documents, automated late fees, messaging, maintenance requests. 

I offer an online payment portal to submit rent payments via ACH or CC - they "couldn't figure out how to use it" so I set us up to accept Zelle payments.