JamesI work with the loan programs through wholesale lenders so you wouldn't be able to go direct unless they have a retail side.

Have you tried going directly through your insurance provider?  

So while it's not as ideal as a multifamily property, it does present a solution for those that are in the personal situation where they can. 

Please send me a direct message.

But these are the sorts of gaps that people come up with solutions for.

Going direct to seller in pre-foreclosure and snatching it before auction sale.

That said, if you only have a few "residential" rental buildings, most direct carriers can get you pretty low deductibles on their stand-alone policies (State Farm, Allstate, Farmers, Nationwide, etc.). 

Hire an eviction lawyer and do not directly contact the tenant.

If you get a plumbing bill for $100, that $100 goes directly to the plumber. 

However, nearing retirement, with our past experience in mind, we decided to try it again, this time just rehabbing one house to flip.So, I set up a self-directed IRA so we could use the retirement money we had left after the recession, and bought a foreclosure house that needed a lot work.