Tenants will burn you out. 

Without going through your story, I know you have been burned.  

I know a lot of people that are burned by taking recommendations from a stranger on the internet.

Bob Burns

Those records can show you a great deal but not everything so due diligence so you don't get burned with unforeseen debt that carries over to you.

What if something happened and the house burned down, or worse, someone were injured or died in a fire in your house because you were nervous about the expense?

This protects in two ways, first, if you have an issue with a VA, you can burn the card number, and generate a new one within a few minutes, secondly, if a vendor that you're using has a data breach, you can burn the number and setup a new one to prevent it's future use by unsavory folks on the web.

Side note it the property burns to the ground it would be nice to get it replaced.

Is that a situation where someone’s house burns down and a family needs a place to stay until they can rebuild?

I even refereed for the OG Burning River Roller Girls back in the day.