Lost income is a core coverage of a landlord policy.

@Maria Teo the whole point of a PMC being listed as "additionally insured" is so that they have liability coverage!

And if you have to think about price when we're talking about $30 vs $40, then you really need to rethink your priorities (nothing personal :-)Yes Behr Marquee is up to $49 a gallon but you will never look back...you want a paint that will (usually) get one coat coverage. and will wear like iron.....

Traditional DSCR (Debt Service Coverage Ratio) loans typically consider the entire property's rental income, not individual rooms.

Why are they not able to find coverage?

Recently DSCR (Debt Service Coverage Ratio) for residential properties has been the talk, you probably have seen most loan officers market the heck out of these in recent months!  

See our "tier list" below: Worst: – No coverage, held in your name.

An umbrella policy and maxing out the available liability coverage of the LL policy, usually $500k per asset. 

Write into the lease 50% carpet coverage in the upstairs unit if it isn't already there.

I can share a couple of insurance agents' contacts in the area, so you can get quotes and compare coverages and prices.