I've found only two carriers that will write a new policy here for a house with aluminum and they are both unrated carriers and I don't want to take a chance with either of them.

So I'm not sure the deductible is really a big issue.But it does mean I may end up coming out of pocket a little if I hada small fire or some wind damage.If you could help clear some of these options up, it would be much appreciated.I'm leaning toward the new carrier because of the ease to adding propertiesand the monthly price savings.

Yes there is a different risk for each class.For example on property insurance the policy is usually higher.The reason is statistically at 30 years or older certain things start to go out (plumbing,wiring,etc.) and claims go up.Some carriers will not write policies unless the building has a new roof,plumbing,electrical etc..Commercial lending 5 plus units is not all uniform like residential.Depending on who the lender is and how the finance is structured the lender and underwriting will put more weight on different items when making a decision.

., landlord policy, fire policy, rental (not renters) policy, but you will want to notify your insurance carrier and inform them about the change in residency and how the property is being placed into rental service.

I have a quote for a new split unit at the price of $3937 for a Carrier 2 1/2 ton.

If you think you won't let your insurance carrier know think again.

It's more of a specialty insurance and the major carriers may not write it so talk to a commercial insurance agent who will have access to more companies.

My experience is that the carrier with whom the agent wrote the policy has certain underwriting guidelines that may not allow for the LLC to be the sole named insured.

Perfectly legal and I had a mail carrier who I bought lunch for on many occassions.

Hey guys I am a wholesaler and a mail carrier and I have access to this extensive list of vacant houses but I want to know what source i can cross-reference to find out if these are REO's or pre-foreclosure or privately owned and abandoned homes i can target as motivated sellers.