Since I've been told the insurance market is really tough right now in California with most of the big companies (Nationwide, Allstate, State Farm)  not writing new policies to new customers, I'm trying to do a change of broker to a different Safeco agent.

In addition, the value add is cleaner in under writing for commercial residential.  

In late 2002 I received a call with my contact at the commission who informed me that (1) the commission would be dissolved due to the Texas sunset Laws and its functions merged into the Texas Finance Commission and (2) the director of the Texas Finance Commission considers fractionalized mortgage notes a security.  

I'm writing this post to see if there is any advise to give me or a mentor that's willing to help me understand if this is an area in business that I can grow in.

Long story short, cosmetically ugly and out of style is fine, not functioning isn't and WOOD ROT is a major no/no with FHA and VA appraisers.

Many are underperforming the under writing.  

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

I don't have a problem with what you write.

No lender, DSCR or otherwise will write you a check for $3mm without a certain level of confidence that you will not run the property into the ground, since that is their collateral for the loan.

As far as my lender I started with small multi family and had met the woman in charge of residential lending at my bank over the years at various local functions.