As a  realtor I cannot tell you how many realtors have no basic sales skills.

HO8 or DP1 (residential policies) operate on a basic coverage premise.

Basically it comes down to whether the work affects the structure, systems of the home or how the home looks. 

I paid those.Despite that, I’m now being told I still owe ~$2,100 additional, but PPMG has not provided vendor invoices or receipts — only internal accounting summaries with dollar amounts and brief descriptions.Some specific issues I’m struggling with:I never receive actual third-party invoices — only line items like “plumbing,” “yard,” “cosmetic,” etc.Locks were rekeyed three separate times against a single rekey estimate.Yard “quick cuts” continued repeatedly even after the full move-out landscape cleanup was already charged.Plumbing work was added even though there was no standalone plumbing budget in the original estimate.Cosmetic repairs exceeded the quoted cosmetic budget, including countertop/backsplash work that was never in the estimate.Utilities exceeded the estimate by several hundred dollars while the property sat vacant.Multiple cleanings extended into January 2026.A December email cited an additional $1,276 supposedly required for City of Mesquite inspection compliance — again with no inspection report or invoices.Recent accounting shows what appear to be duplicated or fragmented charges across categories.Even after paying the original estimates, I’m now being asked for more money without basic documentation.

that's basically all on you. 

I didn’t grow up with money, and all my family could afford were basic tent sites.

I'm a real estate broker based in NYC and Long Island, and I work with a lot investors.Since you’re brand new, the best place to start is by understanding the basics of how wholesaling works and what your role is in the process.

Especially since he didn't know anything about plumbing when I asked him some basic questions...I wonder if they were going to try to use him to get a discount on rent for "repairs" he did....Anyone ever seen anything like this???

They just want to convey the basic reason the exemption exists at all. 

(Which means YOU are basically running a LTR, not a STR.)