It's been acouple months now and we're trying to figure out what to do as we are at thenear end of our insurance coverage.

You might want to see if there's one specifically for better coverage. 

Understanding Commercial LoansProperties with 5 or more units typically fall under commercial real estate loans, which have different requirements compared to residential loans.Requirements for a Commercial LoanCreditworthiness: Both your personal and business credit scores will be considered.Down Payment: Typically, 20-30% down payment is required.Debt Service Coverage Ratio (DSCR): Lenders will assess the property's income relative to the debt payments.

The purpose of the CPL is to expand coverage beyond the commitment/policy and beyond the title insurer itself to others involved in the process (title agents)... your scenario.Quick search -- https://houston.fntic.com/getattachment/6efdc91c-3146-46bc-a...I was saying start the analysis there as that would seem be the simplest route to recovery.

Consider options like Bank Statement Loans, Debt Service Coverage Ratio (DSCR) Loans, and co-signing.

I had a tree (the neighbors tree) that fell on the roof of my rental and damaged it severely so now I have to change the whole roof.So during the hurricane I had an insurance called Citizens, but right after the hurricane they switched me to a different insurance (Slide)...Will you please help me with my questions:1) My coverage was for a policy that is not a rental but  partially owner occupied (its a duplex), because I lived there but then moved out and did not switch the coverage to a rental.

I'm reviewing my rental property insurance after having gone through issues with the first ever claim on my current policy, which we're finding out has poor claims service and lacks ordinance or law coverage.

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

After purchase, you can do a cash-out refi of 75% of the appraised value to free up your cash again, and repeat.There's also DSCR (debt service coverage ratio) loans.

If you have a 12-month history of the property's performance, you may be able to get some wiggle room with more local banks for it.One thing that may impact the lender's ability to lend could be the Debt Service Coverage Ratio (DSCR), but as long as the property cash flows well then that shouldn't be an issue.