If you have any claims or some list particular claims in that time frame they will not accept new business from you.In speaking with the product managers I've given the example of a client with 50+ locations paying over 45k per year in premium having a claim for $10,000 and would they take the total account into consideration when this client buys another property... the answer was a hard no. 

Please stop copying and pasting chat GPTs into the forum, its not productive for anyone! 

Work with a broker who has access to a large variety is going to help you find an appropriate option for your situation vs a direct lender who can only sell you their limited product set. 

Of course my buyers are ALL owner occ's so different product and different buyer but probably more demanding than the investment buyer who is buying a basic rental house.

Has anyone ever used a polymer spray product similar to "Lumber Kote" by the Redeemers Group?

It's just how the product is configured.

Too much capital chasing too little product.4) The internet makes it easier to find and sell properties.  

A good precautionary measure for everyone's safety.Also, there's a new rental management product on the market PropertyScale.com.

Each loan product type has different rules and restrictions for using rental income to qualify for new purchase, and some can wreck your plans (such as the FHA 100-mile rule).

I've had productive live chats with their team and that is encouraging.