Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

The other issue is forest fire risk plus insurers are dropping policies and most insurers won’t write policies there anymore.

Add to that insurance costs, etc. and it's not looking good.However; what Trump can do that will help is to cut out some of the environmental regulations, etc. that drive the costs of development up. 

How would I transfer home insurance and property taxes without alarming lender on subto?

.- Sectio 8 also requires taxes be current.3) Insurance: we require an owner to add us to their policy for liability protection.- Have discovered owners with lapsed ploicies they thought previous PMC was handling.- Also found terrible policies that owners had, that they didn't understand.4) Utilities: We check that all utilities are properly set up and cofirm or enroll in any Auto-Transfer of Service programs to avoid no heat during winter leading to frozen pipes.- Dealing with a very upset new owner client right now that previous PMC didn't handle the water account properly.

Ones located in Greensboro Nc and the other is located in reidsville Nc the fees I see on this soft quote are: origination fee, underwriting/processing fee, 3rd party closing costs, 6 month tax impound, 6 month insurance impound, looks like 11-12k in fees alone.  

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

File him to the insurance board of TN?

Your first concerns should be your operating procedures and insurance.  

If so, I would love to inquire who you're using for your mixed-use insurance?