For that reason, it's common they will insist the Deed of Trust be assigned to them, they hold physical collateral, and their servicer handles the file. 

Most common are market and income.

She would have to have a fake ID and know a lot of personal information about the real person before she could get past us.This was an error in my screening process.

Don't see insurance, garbage pickup, common electric and so on.

I'm really surprised this would be on the radar as its SO commonly done.

That being said, now is not the best time to look for roommates to share common spaces with so that is something else to think about.

The properties are financed by me and are Fannie May loans.I'm trying to figure out how I can have me and my brother on the title as 50% owners (tenants in common) for my rental properties that are financed.I have seen a lot of conflicting information from my research so far.My loans (4 mortgages on 4 rental properties) are all Fannie May loans.From my research, it suggests that until 2016, the name on the title of a property backed by a Fannie May loan must be in the name of the person on the loan, and no one else.

Was it common improvements?

Still, I'm wondering how common your situation is in the scheme of things.

Very common now across all of California.