This strictly relates to asset protection.

What about this:Get added to the Morgage as someone that is authorized to discuss the mortgage, but not be responsible for it.Get added to the insurance policy as a "loss payee"Get a Deed (Quit Claim or other) from seller but don't record it until the loan is paid off.Keep making payments on the loan under the other person's name.Another idea is to do the same as above but record an option against the property to be able to purchase property at any time in the future for $100. 

Dealing with customers can be difficult at times and it takes a lot of balance, but I believe honesty from both sides is the best policy. 

You just need to find the right insurance agent specialized in this kind of policies as the run of the mill policy is definitely not what you want for that purpose. 

I have a new builder now, but because the roof is already on and it is 80-90% complete, I can't find anyone who will write a builder's risk policy for it.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

What to do or where to go for new policy TBD

Underwriting is very strict.

For years i have had a portfolio policy with Nationwide for my commercial plazas but they are not renewing me this year as they now require all buildings with a food use to be fully sprinklered (which i do not have).

In fact, some insurance companies now refuse to write new policies in these regions.