Present it as just a way you do business and you won't get any push back.If a tenant needs some explanation on why it is necessary just tell them that your property insurance does not protect their belongings and for the cost it is really a no brainer for them.

Yes, lenders are definitely pulling back and applying impossible overlays.For a detailed explanation of why and what might happen next, check out this BiggerPockets thread: https://www.biggerpockets.com/...

@Russell BrazilI appreciate the insight & explanation.

If you do that and the lender gets huffy, that would be a red flag.I'm sure the lender wants the deal to close and to stay in good standing with your broker, so if there isn't a good explanation for what you saw on the fee estimate I'm guessing they would modify things if the buyer pressed the issue.

@Crystal Hoover Thanks for the explanation Crystal. 

Here’s a little mor explanation  of that thought:The great thing about life insurance is there’s little tax implication to your beneficiaries and if properly structured there’s little legal encumbrance around obtaining the funds. 

@Matthew Irish-Jones  Good explanation, thanks.

“We hear all of your questions, and we’re working on more of an explanation for you,” said Auchterlonie.Requests for Additional ReliefFor taxpayers whose deadlines weren’t extended by the IRS notices, the agency is keeping a list ofrequests for relief that have been coming in.

Watch this if you want to see a graphic and explanation of why it's not overkillAlso, in our area of Redding, CA (and most of CA) there are no test kits to speak of, and many more have the virus than is being reported, and more deaths than we know, as without being tested they cannot report the death as being from the virus.

Then, after telling me 8 different times that we were closing 'this week', they would get within a few days of closing and send me a completely updated list of changes and requirements that had no explanation.