I take it as just a reflection of where I see society in general going more than anything.

However, buying a safe bootlegged unit at the price that reflects unpermitted work could be tempting.  

An insurance agency could charge a fee as well but they'd have to show that too.If everything is the same on the policy (can be hard to tell with a cursory look at a quote) it's possible some of the internal risk information was changed a (such as year of update) and the underwriter changed pricing to reflect that.It's also possible one agency asked for pricing credits to get as close to a certain number (perhaps a number you told them based on the current policy) and the other agency was unaware of that number so they didn't ask for credits.That would be the most likely in most cases but it's odd since the quote was already created and given to you from The Hartford that it would change so much.By the way, your agent should be able to retake control of the quote quite easily with a signed BOR/AOR as discussed. 

Realtor.com will reflect what properties are currently being listed for now.

Logically this makes sense too, revenues are starting to reflect 2019 rental numbers and cost to borrow is higher than 2019 as well. 

If you fail to make your monthly house payments to the bank on time, that reflects on the Seller’s credit.

You've heard the saying- "You get what you pay for"  If you are asking them to work for free then the results you get reflect what you paid for.

Thank you Anthony for your fantastic content and for posing the question for us to all reflect and think through!

The time you want to use a new lease agreement or an addendum to reflect new terms and conditions to the original lease is when you have changes you want to incorporate into the new tenancy.

Although, I realize that tax implications will be severe on using pre tax money and will reflect as income.Thanks.