Maybe they thought if there is a crisis they want to keep their assets and not decrease current loan quality.As things improve you'll probably see them come back.I had heard very early on from one friend at Wells Fargo, that they had stopped doing them.Also many of the "special" programs have stopped...like Dr.

It's hard to tell what is and isn't covered without looking at the full policy, however I can imagine that the difference between A and B is Basic and Special Form.

@Kevin Stringari I saw on your website you were advertising specials half off security etc or half month rent o move in.

Is it possible to find someone who specializes in both i.e attorney + CPA?

Little background on me - I'm a mortgage banker at Berkadia in Seattle specializing in conventional and small balance Freddie Mac and Fannie Mae mortgages - typically >$20M. 

Looking for a referral of an Attorney who is licensed in PA and specializes in Landlord Tenant law.

He specializes in real estate investing.

That's a special kind of crazy.If the numbers are accurate, it looks like an opportunity worth pursuing.

It also means I still find positive cash flow RE on the MLS (rare, but on occasion).

There are several that specialize in East Side apartments, you'll see their names on Zillow and Craigslist ads for the area but if you can't find them for some reason I can give you a couple to call.Usually in RI it's the landlord who pays the rental agent fee, so it shouldn't cost you much of anything (maybe the price of a credit check or small application fee) to use a rental agent, if you choose to do that.Good luck and if you have more specific questions feel free to post them here too :)