I think we have enough checks and balances in place that it would scare off all but the most experienced fraudster.I suspect this activity is highly regional  and much more pronounced in renter dominated markets.   

Wanted some ideas/opinions on adding a mini-split to a property in the Mid-Atlantic Region.

That was Regions Bank policy when I worked there.

& Top "Hipster" Destination in the US88 Jobs Paying Higher Wages than New York CityHome to 2nd (soon 1st) Largest University in the US ($7B in Capital Projects & 60,000+ students)Hotbed of Startups and Venture Capital- "Exodus from Silicon Valley"1st "SMART" City in the US ($50m DOT Grant)Intentionally Underbuilding to Hedge Risk...30,000+ units short of demand11-County Region with Huge Room for Growth & Expansion (3million+) over the next 20-years50% of the Columbus Population RentsAll-time Record Low Homeownership for the Millennial Generation (largest population in America-bigger than Baby Boomer population)The Average Market Rent in Columbus has Climbed to $2,000/mo.

I used to have a connection at a regional bank that would do 100% LTV on 2-4 unit owner occupied properties, but those days are long gone.

My plan, is to keep running numbers for the local Metrowest region and keep driving for dollars. 

Does anyone in the georgia region know or have a purchase and sale agreement contract?

The vast majority of L.A. renters are spending too much on housing — and the region’s affordability crisis provided opportunities for the COVID-19 pandemic to spin out of control.

I have a full time business and don't have time to deal with probates and divorce lawyers , direct mail (basically I don't think that looking for direct deals is for me).I contacted real estate agents but none seem to believe that there are any under value deals right now.Where do I find people to partner with in a coastal Virginia region?

Its very regional. if you study floridas market, it will not translate to PA.