Quote from @Clayton Silva: Definitely helps to get quotes from a few places, problem is that options are shrinking as more carriers leave the state of CA. 

As I learn both options.

Another option is a DSCR loan where some lenders have shorter seasoning or waiting periods- I've seen some that are three months which can make a big difference for an investor getting cash out of a deal and using it on a new project.More info on DSCR loans: DSCR loans won't use your income to underwrite the loan.

@Samuel Coronado I’ve worked with a few lending options that have no seasoning requirements and allow you to borrow based on the appraisal or after repair value irrespective of how long you’ve owned the property for.

There are better options that don't have minimums.

The premiums didn’t make sense compared to the other options I found for the two properties I moved off this policy, nor did they align with the rates I have for other properties in my portfolio that are not on this policy.I’ve shopped this policy extensively across multiple companies and brokers.

I’m in the private lending space, so if you ever want to chat about financing options or need a second opinion on a deal, I’m happy to connect.

What are options for having our investors pay their share of this monthly fee?   

I need to better understand all impacts each option has for a smaller operation.

If funding is an issue, you do have some options.