Our lender required us to have title insurance and this week my wife will be submitting a claim! 

The two most significant operating costs are property taxes and insurance.

The property owners IN MASS burnt down their properties, which, since they did not file insurance claims was actually the only LEGAL way to free themselves of the continuing negative cash flow of these buildings.  

Is the 15% down with no insurance allowed because it is inferred that the tenants will have renters insurance?

Do you frequently require subcontract and vendor engagement (lawn care, snow removal, building maintenance, management company etc.) and if so, do you sign contracts and require that you are listed  as additional insured on their insurance policies? 

Increasing your construction budget by a small amount can have an enormous impact on your overall construction budget, productivity and site safety/insurance premiums.

I know years ago a family that did have their treehouse insured. 

We ended up filing a claim with our insurance.

Same with insurance or CPAs. 

Agents, buyer/seller, insurance agents, attorneys, title companies, inspectors, lenders, mom & dad, relatives and so many others.