L purchased Jerry Norton program and I have not been able to get any deal accepted   ,I submitted his POF letter to an agent and she claims that its fraudulent.

You'll likely pay high premiums, face lots of claim denials due to "pre-existing conditions", and deal with service delays.

.- Rental loss - PadSplit claims they collect 97% of rents, but I've spoken to a few hosts who have said that a much larger % of their tenants get kicked out owing $500 or more in back rent that is rarely ever collected - what's your experience been here?

I normally try not to work with people like you because your expectations are unrealistic.

They also claimed its a new form that recently been required.

What you are saying is a hypothetical (assuming you really didn't sell it twice) because you may have had an unrealistic price in mind and your house sold for what the market was on that house, and there's no way to know that had you gone with a discount broker or FSBO with that price that your house wouldn't have languished so long that ended up selling for even less. 

COLLUDE With Judges like KAREN PHIPPS to case FIX court case outcomes so the public doesn't know their fraud scams that include insurance faked claims with frivolous incident dates of known pre existing conditions putting tenants lives at risk SEE CASE COLUMBUS OHIO FRANKLIN COUNTY COURT OF COMMON PLEAS 22CV003620 AND OHIO SUPREME COURT WRITS : 2024 1311,1314,1315,1319,1320,1339,1360,1362,1378,1400,1420,1448,1471,1474,1502,1588,1601See FRANKLIN COUNTY MUNICIPAL COURT cases 2021 EVH 060439 AND 2021 CVG 020711 FAKE AND UNLAWFUL LANDLORD RETALIATION EVICTION BY ALL COUNTY NEO'S  ATTY WHO IS THEIR CLIENT🙄THEY ARE ALL CORRUPT and fraudingI would be careful about labeling an attorney as a fraud on a public forum.

He said the borrower called and a tree fell on the roof and needed to file an insurance claim so wanted to file it against our insurance.2.

@Nathan Frost uhm, not sure you understand Detroit market.Motion lights & cameras may work half the time at best.Too many insurance claims will get you cancelled and eventually black-balled.But, what do we know after 24 years in the Detroit market...

And people who claim $0 investment must not have an electric bill like mine was.