If you haven’t already, try escalating the case and requesting a senior representative to review it.

You get tied up in court and every deal you've ever done gets reviewed to see if there are any other "fraudulent" transfers.

i am totally impressed with the way 'guru' out there trying to influence people promising there's a gold cave somewhere from 'infinite banking' to 'my own the greatest system ever' :-) I bet they save their money in the crypto token as well.

This VRBO guest had no reviews, joined VRBO in 2024 and was not verified!

This means a new buyer must either already have an account, or must start one and the property starts over with no reviews, etc. 

In my opinion, that is a riskier bet because you have to have a big pile of cash for contingencies.  

Are there any specific tips or insights you’ve found helpful when reviewing or creating a T-12?

I am betting a lot of media is going to be coming out of how under insured people were because to be fully covered was "too expensive".

A national buyer would review the BPO and maybe do some brief online research, but would not typically not know, as in your example, about the sewage issues or extent of interior rehab needed.

Your best bet would be to find a portfolio lender whose niche aligns with your investment strategy.