Eventually called up my bank to stop this fraudster named Kai and ask for refund, but the bank can only credit the most recent charge per their policy.

Check with your local attorney/title company as many times you can void your owner's title policy with a quit claim deed.

If your concern is liability, what I did was get an umbrella insurance policy on the properties I house hacked under my name.

Here's why I waited:Visa Uncertainty: With a temporary visa like an F1 CPT or even an H1B, there’s always a chance that, due to lottery outcomes or policy changes, the path to a green card could be delayed or not happen at all.

Hello @Michael Dallas,To verify the seller’s information, ensure you request these essential documents:Rent Roll (to confirm rental income and occupancy)Lease Agreements (to review tenant terms)Financial Statements (past 1-2 years, including income and expenses)Property Tax StatementsUtility Bills (if applicable)Maintenance Records and recent CAPEX reportsInsurance Policy DetailsInspection Reports (any recent or previous reports)These will help you confirm the property’s income, expenses, and condition.

I have a written office policy manual that explicitly permits my employees and sales agents to carry at their discretion.

I agree with the no carpet and Reynolds policy.

Request that she confirm one of these options or propose an alternative.Set Clear Policies on Access: If you haven’t already, share the access policy stated in the lease agreement or according to state law.

If they were similar then pay it, if way off then tell them here is the quote and this is what we will reimburse - next time think 2x about ordering a service without our approvalI think you will find that in a life-threatening emergency such as this a judge will very happily hand you your rear end should you try to enforce such a policy or contract term against the person who is in danger. 

Secondly, he again did not fully disclose everything and was pushing for the signature on the final closing documents, in them he has 2 seperate title agencies involved as well as a third party construction company listed as the policy holder for the insurance for the home, and the figures for sale are different from those on the sale agreement document that I did sign, with clauses included that state if the title is not free and clear that the buyer has the right to sue me for insurance purposes and to cover the silent second mortgage that I was only informed of because the title agency called me to say something was up after arranging the notary to come to me to sign the final documents (at which point I said no and had a copy of the closing documents emailed to me), and again the so called real estate agent negotiating the transaction is listed as the buyer (under the guise of being part of ushomebuyers.com, same as the agreement to sell).