Got the auction stopped and submitted a short sale purchase contract from my partner/investor to lender which was denied as the offer was less than the payoff and reverse mortgages require full amount of judgement or appraised value. 

What happens if there's a fire, you get hit by a bus, a developer makes you an great offer, this seller would make 10's of thousands of dollars on interest he didn't earn. 

Debt is a tool that can be used properly or abused.

Picture 29 of 41 gives you and idea, although this was a different bedroom.https://www.redfin.com/TX/Deni...Would you have fined and reprimanded agents in your area for calling or listing these as bedrooms?   

Denies leaving any trash.

Have you also considered that data on the amount of denied mortgages due to not meeting the 40% DTI limit?.

Having an agent in Washington State isn’t sufficient; the law also requires that the trustee itself maintain an office with a phone where homeowners can go to resolve their foreclosure issues.The investigation is being conducted solely by the Washington Attorney General’s Office, which is also a participant in the multistate investigation by attorneys general into abuses in the mortgage servicing industry 

Quote from @Denis Ponder: I would argue that these traits are beneficial regardless of square peg or round peg. 

Quote from @Denis Ponder: Waking up to the same routine for the next 20 years of my life staying in a W2, knowing my kids will likely follow the same path and ask the same questions I have. 

First things first:  In the state of Texas, once you file a claim, the insurer has 15 days to respond - and then has 30 days to deny or pay the claim.