Do you think First Insurance will, insure in a high fire risk locale? 

Let's say they need to foreclose and the borrower picks up the Yurt and moves it - now the entire loan they underwrote is thrown out, along with title insurance, and the lien on that property.- Value: A SFR, or 2-4 unit (what it would be in this case) are residential assets and thus are valued off the "sales comparision approach" rather than the income approach.

One more thing to add, you can't let fear be part of your decision making.

When you move all of your insurance under one insurer, they can also bid down your individual policies to help save you money.

This lack of response was a major factor in my decision to seek legal assistance.

I don't think the insurance is very expensive.  

Even if you adjust it over time, the effort spent upfront will pay dividends as you build momentum and make informed decisions in this field.

Despite the fact that my decks were up to code when I bought them I have had my insurance company do inspections and make me install lag bolts on many things that are in my opinion fine.

Got this from the sponsor - Real estate gain is 1231 - but there will also be recapture of depreciation which is ordinary income.With a few unknowns before the actual k-1 is released, it's hard to make any concrete decisions but was just wondering if I should sell some long-term held stock at fidelity to offset the gains

Then you are making that decision based on the data for the area and that unit..... not on who lives there already