The insurance problem grows as we keep having more disasters (hurricane, flood, fire, pipe leak claims in the billions).

My partner claimed all the rental income and expenses.

That said, if she's claiming she still owns the place, there might be an extra layer of complication if she can prove her claims and/or hires an attorney herself. 

So while I can't claim to speak for every financial institution out there, it's a very broad survey, finding an option not contained there might involve making quite a few phone calls.When I see 30 year fixed, 30 year amortization, 30 year maturity (basically, identical terms to a consumer-friendly kid-gloves home loan), which does in fact pop up if I specifically search for it, it's almost always at a rather high interest rate, and the borrower doesn't opt for it.

I have an attorney quick claim deed it.

They claim to have owned four rental properties and a large house which they sold before coming here.

You just use a quit claim deed.

How could I target insurance claims tenants for my MTR? 

Also, most Umbrella Policies only pay out if your underlying policy pays out, and the underlying policy will do everything they can to find an exclusion or that you were negligent (which you probably were) in the cause of action to get out of paying the claim.

And fined retroactivally.Additionally, if a tenant has an accident (slips/ falls/etc), or something goes hugely wrong with the dwelling (fire/electrical/etc), your insurance WILL NOT COVER the claim.