hey David,As a broker, I have several options if you're looking to only touch the equity in a second position lien on investment property. 

What are options for having our investors pay their share of this monthly fee?   

If this property is hard to rent, or is functionally obsolescent (only 1 bathroom, no yard, etc), or has deferred maintenance that will be costly, or is in a location that is not appealing to Tenants, then maybe a sale would be a good option in favor of a property that has better Tenant appeal, which will likely increase rent and avoid long vacancies in between Tenants.An option to consider....

The premiums didn’t make sense compared to the other options I found for the two properties I moved off this policy, nor did they align with the rates I have for other properties in my portfolio that are not on this policy.I’ve shopped this policy extensively across multiple companies and brokers.

I need to better understand all impacts each option has for a smaller operation.

We have funding options and could also run the project with our resources that we have in my area of Florida. 

If funding is an issue, you do have some options.

Based on the fact that new construction is currently at a relatively low premium when compared to existing construction, I think this strategy might be a good option.

You’ll want to check with local credit unions or smaller banks since they often have more flexible HELOC options.

Quote from @William Weston: That would be an option but I have not seen multiple family homes that are big enough for a family of 5.