Is it a legal reason if both tenants paid a $39 fee and put in application and I deny one of them because the other tenant is willing to pay more rent ? 

If they find out, then legally, contractually, they have grounds to retroactively void the policy and deny claims for *anything* it covers -- including losses totally unrelated to STR, like wildfire or a windstorm.  

I am not denying that there are happy customers out there who probably got LUCKY and got matched with an ethical, fair, and intelligent CPA firm that came with their own team, but that is LUCK.

The insurance company denied the claim citing negligence - ie. temp of the house inside and outside was the same, no form of general maintenance was done to secure the home for winter.Now we have a bill of close to $100k and they are refusing to foot the bill.

They find a carrier to insure the home, but the preponderance of carriers denying them scares them off. 

You got a better chance of getting struck lightning than denying this scumbag tenant becoming a problem for you.

That can cause you a denial and lost money on appraisals and other fee's if the loan is denied or cancelled.

I just helped a travel nurse that was denied by five other lenders due to the seasonality of their job and lenders concern with occupancy fraud.

Hi Dmitriy, unfortunately uDirect has refused, and they have not responded to my last several emails.More bad news, my appeal was denied and the only path forward is to pay taxes, penalties and fees, or defend myself in tax court.Is there any chance you can point me to the guidelines your IRA custodian is following when you received the response:"On this a direct real estate with a liability.

In other words, if ya'll are thinking you can buy cheapo rental properties in places like Jackson, Mississippi which aren't gonna have no $150k kitchens you can't be filing claims for loss of rents, basement water back ups, equipment breakdowns and ticky tac crap like that, you're gonna get dropped by your carrier and the next carrier is going to deny you coverage.