Had I bought it for $135k or even $110k with that loan I'd be in a very bad place right now, choosing between putting money into it to pay off the private money or paying 15% until the value went up.

You sir sound like an expert.

You, as the policyholder, can choose any agent you want to work with.

@Remington Lyman Please send me those contacts and thank you sir!

The assessment would finish with a score between 0 and 100 points and each landlord could choose a bottom score they were comfortable with.

They have the ability to manually separate business debt from personal debt if they choose to.There is the option of completely refinancing the note and putting it into the name of the LLC that way, but as it was mentioned in your initial post, and again throughout here, it’s not the best option because there are many regulations you have to abide by.

I am choosing NOT to proactively reach out to tenants regarding rent and late fees as we expect them to pay.

Who ever you choose do your due diligence.

Because you are the one who chooses to take on extra responsibility and own a home instead of rent, does not mean that you should shoulder these problems as well.

This could be consolidating down to one broker whose licensed in all 50 states, picking a broker who specializes in working with investors, and/or a broker who not only has the knowledge of how these policies work, but can simply take you through looking at various options and implementing a policy for you.Not all of my clients choose to go with a single master policy, but it is definitely something to consider once you have a portfolio size similar to yours.Has your current broker discussed a single master policy with you at all?