If you write a quote for those for me, is there a deal to be made for doing all 5 of them!?" 

One of my HOAs, the master fire/liability policy was +15% this year (likely the max the state approved), the earthquake was +165%, and my personal landlord policy got non-renewed as the carrier left the state. 20+ carriers refused to write a new policy.

Get into the routine of entering them as soon as bills come in or putting the bills in one location, entering them once a month and writing on them that they were entered/paid, then filing them. 

Get this in writing 1st.   

Jerryll I'm not asking you to change your style.

Owning a house together is like a long-term business partnership, so make sure you have a clear exit strategy in writing.

Quote from @Michael Plaks: Quote from @Alfredo Cardenas: I think I know who the new CPA i will be..What do you think about my other strategy...I think it would be a terrific question to ask your new CPA  ;)  I like this guys style

Figure will do Heloc style loan product up 70 LTV on single family NOO.

In that case, I would shop it around to see if any other regular carriers will write the coverage.  

They are easy to get started with an the support has been OK compared to others  I am going to jump in here for few questions.Does it make sense to buy RE in retirement account(401K) as the tax benefit and write off are not similarly applicable as outside of 401K?