Although someone may have gone through something similar, the law is nuanced and although they think their situation was similar, I doubt it was identical.

., Police Code § 3304Actual or perceived race, color, ancestry, national origin, place of birth, sex, age, religion, creed, disability, sexual orientation, gender identity, source of income, weight, or height S.F.

I've completed two identical bathrooms, full remodel, and did 90% of the work myself.

Did you verify her identity when she applied or moved in? 

I probably could have bought a few more identical buildings.

The applicant, however, is being held up by a "pending identity verification" alert, and as of this post, it has been two days...and no change, no report.I've spoken with the applicant, he did everything required by transunion, and paid the fee.I've tried to reach a "customer service agent" to speak to someone, and on two different occasions, i've been on hold for two hours each time, and I've had to abandon the calls and throw in the towel. 

I was under the impression from one of the banks that since all conventional loans are federally funded, they would have very similar (if not identical) interest rates.

Identity theft is a big issue 

I found an article where State attorney sued his previous company and fined up over six figures for fraudulent dealings - I won't go in details to protect the identity. 

However, I would be responsible for sending you a text/email/voicemail, depending on your preferred method, with a detailed explanation as to what happened.2)It is imperative that as an owner/investor you specify in your agreements that if the repair (non-emergency) is over X amount of $$$,  the PM is required to submit proposals that are identical in scope and that only you, as the investor, can choose the contractor.