There are a number of ways to have it YOUR way when investing - Ask the seller to loan it to youDo an installment down payment agreementGive the seller a note - pay him a percentage of the rent you will be collectingGive the seller a post dated check - post dated for 2 yearsOffer a blanket mortgage on another property you ownAsk seller to repair something (we call it the"Front Porch clause) instead of him doing it, he gives a check in that amount ($50,000) that it will take to do the repair - you endorse the check and give it back to him as the down-payment.Borrow SOFT MONEY on another property you ownBring a limited partner in on the deal - they borrow money on their property - you pay them back over time with a nice interest and don't forget a buy out clauseAsk your girl friend, your Mother or drinking buddies - offer a free apartment for a limited amount of timeAsk the owner to finance 100% of the deal - keep him in as a limited partner Offer 20% more for the building if the seller will take back a principal only mortgage (that is without interest) offer a balloon payment and split notes.Ask the seller to let you manage the building for a year - collect the rents and make improvements from the rents receivedOwner financing with split notes (details on this to come)Proposal to the owners daughter - make friends with the seller's wife - let him know you really want this property - beg for help - tell him you are a nice person - just getting started Offer a Hybrid offer - offer less - improve the building and give seller 20% of the profitsTry a Delayed Settlement with right of possession and subject to the mortgage - you make payments until settlement 1-2 years later.

Many companies can add an endorsement to the Homeowners for the unit. 

Again, use a lease to the company and sub-let, if checks are made out in your name, use an endorsement on the back of the check: Pay to the order of XYZ, LLC., then endorse the check by the LLC and deposit it.Will, good point, the liability goes to the one in title.

[STATEMENTS ENDORSING BAD BEHAVIOR ONLINE IS NOT WELCOME - POST EDITED]

Since I cannot use a friend to bid for me due to schedule conflicts, I was going to get a lawyer, give him the the endorsed certified check with instructions on my highest bid and he would go to the auction for me.If I win, he hands over the check and if not, he holds onto the check for me until my return.

We play basketball, watch a lot of TV, and will buy products endorsed by celebrities.

No nonsense coverage and they are very familiar with landlords.I'm sure prices will fluctuate wildly based on where your property is located, property age, the deductable you choose, amount of liability, and other endorsements (loss of rent, personal property coverage, etc) but for a 3-family in NE Ohio with $150K ACV the premium is about $980/year.

Under some paperwork I found a form from Wells Fargo stating that a condition of them endorsing an insurance check is that they may want to inspect the work to make sure it's complete if I meet established guidelines.

I just want to add to folks that do not rely on one or two endorsements as a basis for investing money, especially folks with only a few posts. 

That said, be aware of any limiting endorsements.