Can you do this LAWFULLY, without running into $20 Mil fines or 5 year prison sentences?

Sorry @Robin Boyer,That last sentence should be, they go like hot cakes.  

If you still forget something don't sweat it, just call them back and ask.You have it backwards with the last sentence in your post.

The occupancy requirement and lien are a policy designed to support our mission, not a jail sentence. 

However, you left me hanging with your last sentence. 

If you'd like, I can PM you and discuss what type of deal you might be interested in finding.Thanks,JBIt's rare that I see anyone mention CA and Kansas City for buy and hold in the same sentence.

I am not following the last two sentences of your post, would you mind clarifying.

It's entirely plausible that the Somali in the above example had never been in a shower (I could stop the sentence here, but I'll continue) where water on the floor could cause damage.

Listen to what gurus say and then do your own thing anyway, but see the previous sentence first. 

If you read, and more importantly, UNDERSTAND, the significance of the first sentence, this is a no brainer.Some people just hear the word "life insurance" and they stick their heads in the sand and start chanting Dave Ramsey verses so they don't have to hear the truth.