Yeah, foreclosures & claims on them. Had one once on a $300,000 two-year old home that was very much out of place in a town of 500 people and otherwise very old or very cheaply built homes. Loss was reported by the lender as vandalism/theft after the realtor's inspection, with missing furnace/AC/hot water heater/stove/dishwasher/wood flooring & expensive floor tiles. And scribbled on the kitchen wall in large letters, was "It's all yours now, you f*$%)g bankers!" Only after I spoke to a couple of the neighbors was the missing property found stored in a detached garage about 3 blocks away at a relative's residence. The carrier had me report it to the county sheriff because the local town cop barely investigated it. Accordoing to one of the locals, the town cop's house had been foreclosed on too by some other lender. Was curious why the sheriff didn't investigate initially, until I was told the town is located on Indian reservation land and certain tribal laws apply before state or county authorities intervene.