Generally most private money lenders are going to play a lot more conservative but be able to close faster/make a faster decision on lower risk deals. 

This is when hiring or partnering comes into play.

These questions might play a factor on price as well. 

I am brand new to real estate investing.  

For LTR they are expensive so it's more of a appreciation play. 

If a listing is struggling for occupancy or brand new we may include for free. 

If you have to ask, you're the one that's going to get played.

In my experience the best coverage with the lowest premiums hardly ever come from the big brand name insurance providers like Allstate, Statefarm, Geico, etc.

We both lost out to someone that was willing to give the Seller almost the price they were asking because they were doing a 1031 exchange were they had a substantial amount of cash and they liked the property location.This similar scenario has played out for me several times over the last few years because the market was so hot.

The Arbitrage unit that we operate is owned by a friend, so we probably played a little fast and lose with our agreement with her.