San Francisco just passed law that anyone receive City assistance must take a drug test and the cops can now go after the smash and grab thieves.

I get the old loan is paid off and the insurance goes with it but why can't it just be transferred to the new nearly-identical loan.

Take identity theft..  

What I was referring to were things like copies of operating agreements, verification of identity, copies of other documents we've already presented to our escrow company that establish how to take title, and so on.

All of the product is nearly identical in target market reach (Class A, high rent).

San Diego volume wise is almost identical to Columbus. 

because I have never used an online background check service like smart move I assumed that the process online would be virtually identical to the paper process that typical tenant would go through when renting any property.

When I speak of using alternative building methods, I don't really feel compelled to maintain the current aesthetic level or identity associated with the concept.This is the main reason I want to go with the cookie cutter approach to building these.  

I received a lot of identical answers as the posters here, but found one really important insight: almost everyone I spoke with was not speaking from real experience.  

I have a three family building, all units are identical and stacked on top of each other.