Defenders of these calculators say that they give the buyer a "ballpark" estimate of how much home they can buy.

Service upon a subtenant may be made in the same manner: PROVIDED, That in cases where the tenant or unlawful occupant, shall be conducting a hotel, inn, lodging house, boarding house, or shall be renting rooms while still retaining control of the premises as a whole, that the guests, lodgers, boarders, or persons renting such rooms shall not be considered as subtenants within the meaning of this chapter, but all such persons may be served by affixing a copy of the notice to be served in two conspicuous places upon the premises unlawfully held; and such persons shall not be necessary parties defendant in an action to recover possession of said premises.

Additional Defendants: IRS, still had no problem getting Title Insurance.

Another way to defend this is to look for other covenants that the hotel site and other parcels in this same 'corporation' have.

I requested that the defendant put up an appeals bond if she was going to appeal.  

Why am I defending a company that I have no ownership in?!?

I'd also say that if a demand was made prior to the note sale and the borrower did not respond, say in thirty days, that may also defend your position since no such claim was made.

Assignee agrees to perform all covenants, conditions and obligations required by Assignor under said Agreement and agrees to defend, indemnify and hold Assignor harmless from any liability or obligation under said Agreement.

Buyer understands that in the event that the underlying debt is not paid off, the lender holding the deeds of trust may foreclose the property, which will extinguish Buyer’s interest in the property. 3.Seller and Buyer hereby agreed to defend, indemnify and hold all parties involved in this transaction harmless from liability in the event that the holders of the mortgages and/or deeds of trust on the aforementioned property are called due and payable.4.The seller agrees and understands that the buyer is purchasing their property with the buyer taking seller’s existing loan “subject to†with the current loan balance and prepayment penalty to be deducted from sale proceeds. 5.In the event there is an escrow account for taxes, insurance, waste fees, association fees, or any other impounds or escrow, said funds shall be transferred to purchaser without adjustment and if there is an escrow shortage same shall be charged to seller at closing. 6.The borrower/seller shall indemnify, defend and hold harmless the buyer and all persons or assigns, regardless of responsibility, from all costs, expenses, suits, liabilities, damages, attorney fees and claims of every type, including but not limited to those arising out of injury to any person, or damage to any real or personal property to any person, including the borrower and said financial institution, for (i) any items resulting from the buyer buying the property, (ii) information furnished by the borrower or (iii) those items relating to the financial information, or (iv) the ability or inability to pay for or continue to support the debt of which the buyer is agreeing to.

I guess there are some generalities in your arguement that I will offer an alternative side to.1st- I am not about to defend the entire realtor industry.