I don't think any insurance carriers will give you a new policy these days if there is active K&T. 

I don't have enough investor buddies around and my family would have zero interest. 

Then the tenant should be required to add you as "Additional Insured" which protects you under their policy.

It's a zero sum game.

If you have someone funding the entire deal, you have ZERO risk in the deal and get 50% of the profits - run with that.Lets look at it another way.

Zero or negative population growth is a bad sign too.

In my opinion disclosure is always the best policy in both scenarios. 

Big cities tend to have more regulations, more crime, more leftist-leaning policies that hurt investors and private property rights, etc.

That will give incentive to refinance ASAP whereas these 0% loans the borrower has zero interst in refinancing out early.

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.