I have a LOT of experience with subject to , dating back to the late 1970s early 1980s.I’ve spoken about the history of subject to, the St Germain Act, etc., but what’s relevant today is 1.

I lived in the house with my siblings (who pay me enough rent to cover the mortgage) for 3 years, until 3 months ago when I moved to Phoenix.

If it is attached to the privately owned property it could be covered very easily and in some cases the coverage would be included in a standard homeowners policy.  

Every investor is different on what they want covered, so really you just need a good agent who will discuss the coverages with you when you set up the policy. 

@Tony Thomas no advantages that come even close to covering all the expenses and paperwork headaches!

@Tony Thomas no advantages that come even close to covering all the expenses and paperwork headaches!

The great thing is, if one unit is vacant, you’ve still got others to help cover the mortgage.

Keeping good relationships with lenders in your buying niches can help you have yourself covered without wasting a ton of time! 

Also, you may be required to pay homeowner’s insurance and prorated property taxes for the remaining year.Inspection/appraisalLike buying residential properties, investment properties are subject to inspections and appraisals.

Yes, there are things insurance won't cover, but there is ALWAYS risks with investing.Here's some copy & paste advice you may find interesting, hope it helps!