.* They no longer have an appetite for residential landlord type exposures.* They've been burned in your area (city, county, state) writing landlord policies. 

It's important to asses your risk / reward appetite and many conservative investors would tell you don't buy a .5% property.

Pricing and underwriting appetite is always changing.There are master policies out there that we use that have beaten Foremost. 

There are plenty of restaurants near by to satisfy all appetites.

Each institution has their lending criteria to control their risk appetite.

You can easily be suppressed via your crm or excel list that you manage your records in.

What's your appetite for higher risk strategies like flipping or BRRRRing?

You'll need to determine what you have the appetite for. 

If the person has an illness and is immuno-suppressed  I recommend they stay home before they get better.

You're correct that you wouldn't use hard money on a turnkey asset.Hard money is the right tool to use when you need short term debt to acquire a distressed property that needs a substantial amount of work - a flip or a BRRRR (which is not an asset that conventional/local bank type lenders will have an appetite for).