I.e. fees, filings, possible states "denying" applications, etc. 

If the seller gets greedy and wants to sell to another for more, this makes them wait, and that buyer will probably move on, denying the seller fraudulent profits.

So the 26-year-old single mom of three works on the side for cash and ends up with housing nicer than any of her peers that work full-time jobs while laying on her back and getting pregnant with child #4 but the elderly woman that is incapable of working has to live in poverty.I worked for Dept of Family Services for 18 months and saw ridiculous amounts of fraud, waste, and abuse.

I make it a practice to never deny anyone not verbally and certainly not in writing, on any grounds.

The new buyers just had to either accept or deny the encroachment. 

@Frank Chin - Believe me...I wish "didn't like personality" or "seemed like pain in the a$$" were valid, legal reasons for denying housing to an applicant.

There are some owners who abuse PM's as well.

I've done it and I also renew it daily, but most of the times, those applications have been denied even without running background check.Today when I explained about landlord's criteria the guy said, hey I'm not buying the house.

I'm not saying there haven't been abuses in lending.

You want long term relationships that grow over time and not one off abusive type transactions.Start investing now just like the investors so you can tell the flaky buyers and sellers to (pound sand) when they get abusive.