CountryLady
luvmyponies
I'd say the policies the rescues have in place are a 'lesson learned'. Someone somewhere did what the policy is now in place to prevent. It's a little like you paying for another's mistake. If you truly find a rescue you want and in a year or so find yourself having to move don't you think the organization would work with you to ensure the horse remained with you? It’s in their best interests for the horse to stay in a good home, not to have it returned. 1k is certainly a lot of money but can't cover the costs of rehabbing, vetting, farrier, ect, to get the horse ready for adoption. I don't see rescues in a money making position.
Talk frankly w/ the org that interests you, tell them your concerns, see what they may be willing to do for you.
Seems like good advice.