@Tom T. - Absolutely!  

If you don't plan for that time, and you have HML holding costs, bye bye profits, hello stress!!!

However it was a very stressful transaction for me, and the underwriting process delayed my closing 45 days.

If the decision to not pay will stress you out, maybe you are better off paying.  

Quote from @Henry T.: I don't hide my name.

I do t what to argue the merits of the importance of title searching for title insurance I get it you love them you want to marry them they saved you money unhappy for you I have my opinion you have yours I'm just saying would you take a step back and you look at the amount of BS that they throw in there with what they're doing and the fact that they do forget who works for who it's crazy that being said I'm just wondering how long this is going to go on for every time the house sells and if you do have some of that doesn't want to sign off as is their right not to want to give off all the information especially in the climate of fraud that you talked about is there a solution

If not, it's just not worth the stress and hassle.I have 2 mid term rentals (1 in Oregon, 1 in Texas) that are 1.5x-ish long term rents.

Mostly because you can find all that information on forums like this one and others like (Redd*t).

(that week took about 5 years off the end of my life in stress). 

Any advice on how to make this process as stress-free as possible, would be greatly appreciated!