Ok, so, why are we debating this in the first place?   

This does shield you (up for debate in legal circles) from some liability with the property, but you will always be on the hook for the loan.

That is definitely your right but not really a point of debate.

If you get a "report" from a business that compiles such "reports", then you are obligated to provide the applicant a notice of any adverse outcome.Now, some might debate that you are extending credit to a tenant, by giving them use of a property that has a value of many thousands for a deposit of some much smaller amount - but that has no bearing on the point I made previously.

These same pols don't want the abortion debate to go away.

Whether or not that counts as "selling securities" is a subject of debate.

Whether the bank will accept something from a transactional lender is debatable -- I've heard of plenty of cases where the bank is fine with this and plenty of cases where the bank will not accept this.

I'm still debating this.  

While I'm still debating DBA vs LLC, I am also debating names.

This is another version of an old debate in a  new region.