And let me tell you, I'm the guy who also charges a touch under top of market myself and do this stuff because I like it, not because I think it's the greatest investment ever and I think I'm going to retire a jillionaire in a year.

Not exactly groundbreaking stuff here...

USPAP aint helping either - but that can be traced back to FNMA too.Sorry all I have is more of a rant and not more helpful stuff.

One mortgage and easy to figure out stuff.

@Whitney Hutten Great stuff!

Easy task for a title co to pull the deed or any other docs that are recorded at the registry, happy to have my title guys do it or you could try going on the registry's site to download stuff yourself (a small fee per doc), could even go there in person, they're very helpful!

For example, often fire damage is water damage--they put the red stuff out with wet stuff.

Tenants try to do stuff all the time regardless of what the options say.

Every single one of the above that I know of, I know of from a networking type event, where a rep from that bank was pitching me for volume referral business (not one-off consumer direct), I don't know that it would be easy for a consumer to find one of these, perhaps your go-to local loan originator for the 30YF stuff has been similarly pitched, just like I have been, and can pass a name along.

@Joseph Firmin good stuff!