Aloha Joshua,  I deal with clouded/messy titles often and it's not my first choice as its froth with a lot of time, costs and risks. 

In the 2024 insurance market, CA is hard to place, so even though you could force them onto a single policy, it may be more economical to keep them separate.I'll send you a note with the carriers who can do this for you.

My inspector emails me the report and then I dive in and do the heavy reading.

hey i can help if you havent resolved it already. happy to connect

I'm not saying it isn't challenging or hard work because it definitely is. 

I know it may sound common sense, but people do struggle with understanding that water follows gravity.

With how much equity you have in your primary if it was me I would think about doing a cash out refinance for the whole thing as rates would be lower.

It seems sketchy.Second, Most of us on here do not approve of Arbitrage for so many reasons. 

Take it from there.

Can't do this in many locations.