Every sale I get close to closing seems to come with new nuances. Two rather recent ones are associations not having adequate insurance (if any at all). And the other being banks no longer willing to provide payoffs without homeowner authorization. I had to order a payoff and forward it to the title company since I already had an authorization through my short sale package.

I heard of agents asking their buyers to pay for the entire associations insurance just to close. Why would you put your buyer in a community that is in financial peril? I had the same situation and I advised my buyer to find another property. Probably explains why I ain't selling much now-a-days (Darn my parents for giving me scruples).