However If this cannnot be done for what ever reason  I can get a certificate through the IBTS. https://www.ibts.org/what-we-do/manufactured-homes/verification-letter-certificate/

Be careful if you reject an applicant based on personality because his old landlord didn't like him, you could risk running into discrimination claims - whether it was intentional or not, you would still be in trouble.Here is a link to an article about how to create legal and objective screening criteria, including using landlord references for verification. https://www.rentecdirect.com/blog/2015/10/how-to-c...

Since we make phone calls too, the verification portion of the reports typically take about a day, depending on the response time.

{Note: we have an environmental condition in our Agreement of Purchase and Sale (APS)}.confirm if an engineering assessment/study (something beyond the normal building inspection) is required;  order if necessary; review results before signing off on inspection condition in APS.obtain copies of any zoning confirmation letters or variances applicable to the property (and its current use);obtain consent letter from Vendor to pull property histories for workorders, citations, zoning variance applications, planning submissions, & building permit history from City/Municipal planning and inspections department;(if applicable) obtain verification from fire marshal that property is up-to-date on compliance and inspections;obtain inspection history and operational certificate for any lifts/elevators on the property;in addition to estoppels for tenants we also review all supplier/service contracts and, if the contract is informal {aka handshake}, we execute an estoppel with the supplier/provider.   

It worked out that my interest rates from highest to lowest was identical to my balances from lowest to highest.

Maybe I am confused and hopefully you can explain it to me: If you and I both invest the same amount into the same funds with the only difference is that I put mine into an IRA and you put yours into a component of a life insurance policy (but the investment component is the identical amount), your fees are ~5% and mine are much less than 1%, how do you earn 2-3x more than I will?

ABSOLUTE AND TOTAL SCAM AND FRAUDthis simply does not exist int he lending world.. only people that fall for this are naive and or just want to believe  or they simply don't know better.The other good one is buying an insurance policy from a company in bangkok  more exotic I guess lures people into these things.. they will steal your identity and take small dollars from you until you figure out you been duped.. 

We will have to see if Freddie rejects short sales minus any requested buyer verification.

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

Also,  you should ask for proof of identity as well.When I can't get a "perfect" applicant and something like this comes up, I may ask for an increased deposit.