We are now beginning to crack down more as some insurance companies for property owners are asking for copies of all renter's insurance policies to issue liability coverage on properties.Aside from having in leases that renter's insurance is a requirement, how do others actually enforce the tenant getting it?

When considering refinancing, also factor in the closing costs of the new mortgage to determine if it actually helps you.

And then add a caveat, one you were genuinely contemplating or actually did list for sale within the first 6 years and it didn't sell for whatever reason and fit in the time frames listed above?

I fixed a leaky roof, revamped the kitchen that time forgot, and transformed the backyard jungle into something a human could actually walk through.

You’d be shocked by how little actual screening many PMC’s do!

With actual cash, you just transfer it. yes, but you can still bid with lender approval - without appraisal contingency - you send in deal (app), it gets approved by lender its functionally the same as cash (except in true lightning speed situations where there is a quick auction with little time to prep but thats generally pretty rare I'd think)Right, but that's not cash or functionally the same as cash because the lender can change the terms at the last minute, as often happens with less experienced hard money lenders.

Are you looking to just subdivide and sell the lots or actually build?

I've had something like this happen to me, and the neighbor actually complained.

I have tried all this as I actually do want the property.

It would be nice if you had a contact who was an actual mason not a marketer.  1930's construction is rare so maybe they cut some corners it was a global depression.