Fees should be clearly stated in writing, easy to understand, and justifiable.

For this house they would have used PVC and it was built in '89 (Ranch style.)

Let's face it, a lot of what you write, and you write a lot, is about promoting what you do. 

If you write too little, we have nothing to go on.

There is also a prepayment structure that is equal to six months of interest (so half the rate) for about five years - this is more common for west coast DSCR lenders (sometimes called "Cali Style"Generally OK to negotiate - but with no prepayment penalty, you are likely going to have a significantly higher rate or points at close

However, there are some surplus lines carriers who write master policy programs for residential real estate portfolios who don't inspect homes in person at all, but just do a desktop inspection while underwriting. 

I don't know if their is much of a difference but that's why I'm writing here. 2.

If the payment is considered a business expense, then obviously it doesn't make sense, but I'm not sure if the payment is a tax write off since 1, I don't have an LLC, and 2 bc I don't even know if an insurance payout qualifies as a write off expense.

None of the above is new or earth shattering, but his marketing blitz approach and auction style open house along with gift cards for signing in, free stuff if offer is made within 48 hours etc.

I'd focus on key metrics such as job growth, population growth, business friendly policies, etc.I've got more to write, but PM and I'm happy to discuss and share offline if you're interested!