Here are a few alternatives to consider for your next property:One option is debt-service coverage ratio (DSCR) loans, which are specifically geared towards real estate investors.

I also review the insurance costs and try to get a solid estimate of coverage expenses to fine-tune my calculations.

The bottom line is it important to be on both sites in order to get the best coverage of the available guests. 

But with insurance claims it’s very dependent on the budget of the displaced family’s insurance coverage. 

Suffice it to say that the importance of debt coverage ratios when doing second trust deeds was something I learned first hand when it came time for me to bring and keep the first position loan current. 

The other thing to consider is that a bank might do 80% loan to value but also require a Debt Service Coverage Ratio of 1.2. 

There are two pieces to the loan calculation - loan to value (needs appraisal), and debt service coverage ratio (rental income vs. mortgage).

Though USLI, one of the biggest umbrella policy providers, dropped my max coverage to $1M because I had pools.

I would love to join in a protest, media coverage, lawsuit, etc. to show the different reasons this is hurting landlords.

such as by including affirmative coverage for forced removal in the loan policy.