Originally posted by @Jack Grove:@Okansa Patrick Were you required to utilize a hard money lender when dealing with New Western?

In my basements tenants have access to they totally disregard the access required and block the pathways needed for access.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Short term rentals do get more money, but also cost more to run and require more time.  

If you meet that requirement, I highly recommend it. 

They/you can't choose the carrier - their software assigns it.Fortegra is one of the carriers (paper in insurance parlance) that their product is written on.That said, Fortegra is A- rated I believe by AM Best so that isn't the issue.I'm going to take a guess and say that your umbrella is written with PersonalUmbrella.com (Markel) and they require all underlying insurance to be A-rated but also with an admitted carrier. 

Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

Quote from @Kmsuea Abdei: This used to be a state requirement, some states required it, and some brokerages required it.

Make sure to get legal advice on what you can and can’t do for bill back and what kind of notice period is required in your state. 

B2B Bank had just introduced liquidity requirements which seemed to indicate they really did not want to be providing that service.TD was the last of the Big Five to offer the ability to write and hold arm's length mortgages.