And if there aren't any comps, then no value might be something that occurs.  

You agree to pay an additional $200.00 lease violation fee each time we determine, at our sole discretion, that smoking has occurred in your rental unit, due as Additional Rent.

Experience in real estate "dealing" so that when problems with the transaction occur, as they inevitably will, you can draw on your experience to "save" the deal.Enthusiasm is great; encouragement is great; but if it's all not based in reality its doomed to fail. 

We have not applied for any other loans and are not sure why this hard credit check has appeared on her report.We need to stop this loan from occurring.

For example this occurs with things like needing to paint the exterior but the temps are too low. 

The wire transfer was occurring as he was out of state.

This is to protect yourself so that if a second offense occurs you can automatically move to evict should you choose to.

Most lenders will have clauses that allow them to modify the terms, freeze, or even call or convert the line if certain events occur, to include ambiguous events like changes in personal financial circumstances.

If that's the case, while I agree you should submit the claim to your title insurer and not the agent who issued the policy, I suspect the claim may denied as a matter occurring after the date of policy and therefore excluded from coverage.I handled a similar title claim and found courts had found that a tax lien as a result of a reassessment of the property became effective when assessed and was not retroactive. 

These type opportunities do not occur every day.