@Fedor Volkov I use an independent broker and do not go through any of the "captive" insurance agencies like state farm, farmers, geico, etc.

One day I looked around and realized I wasn't being held down by society or rich people or my circumstances; I was held captive by limiting beliefs and poor choices.Government handouts have nothing to do with the topic.

I didn't know much about Hagerstown before I moved here two years ago, but the house captivated me and I may have impulsively bought into its charm.

There are plenty of options outside of the standard captive companies like Statefarm and Farmers - independent agencies will be able to structure what you’re looking for through a master policy, which often times translates to savings in premium as well. 

You essentailly have a captive audience of potential renters that all need a place to call home.

This bank has captive vendor W2 employee retail direct loan officers who can ONLY offer that bank's mortgage products, I'm glad that I'm not one of them!

Most of the captives that are still writing ACV policies don't write particularly good ones.  

That's taught in guru 101.Bill, we have thousands of posts here that already have pointed out issues with your suggestions, it's old stuff, I'm not reposting all that for you.I never said seller financing was dead, it's not, in commercial or in compliance with residential.Search "unrecorded contract for deed" it's already been addressed and a very bad idea, but it is how many were done 20 and more years ago.Figure this out Bill, a seller would sell his property on a CFD to a buyer, then I would purchase the property and the CFD, saying your seller or buyer is "protected", that's not true at all.This isn't Long Beach, you're on a national stage where we have several experts in their areas of RE and finance, this site isn't a captive audience of gullible newbies and we protect our new members.Now, if you had eased into the forums with contributions and established your ideas instead of blasting in here with nonsense about how creative you were......well, that's hind sight now.

The bank handles the closing in house or through a captive title company.  

Most captive carriers like State Farm and Allstate don't have a market because it is not a risk the underwriters want to take on.