Title might be confusing, I'm asking for help or input on what other people have found success doing, not claiming to have any sort of sound strategy myself!!

This is the type of response I was looking for - some sort of explanation as to why my property was being denied coverage. 

But I can sort that out other ways as well.- bonus points if I can have a separate business w/o having to pay 2x the cost, but it is what it is.- cost is an issue.

Some of it has to do with the same sorts of challenges you see with smaller sized businesses in general - mom & pop shops aren't always keeping the best financial records or doing their taxes the correct way.That’s what I figured, thanks again ! 

Also with the CC snowballing, I won't be able to make it two years without some other sort of intervention. 

He's got all sorts of calculations and reasons.  

We arrive in Portugal at the end of March and once we have got ourselves sorted I will see if we can get a few people around for a meet up. 

No one will watch our money more carefully than us, and have usually had some sort of arrangement (or try to) similar to what you've proposed. 

If you are borrowing money, you are going to be using equity of some sort.

I heard the servicing company laid off most employees and transferred the loans to another servicer (in some sort of agreement).