I'm not asking them to fix the ceiling until I verify that nothing is wrong with the roof or window, which will be tomorrow.

And they can only count the ones where you were on title because that's something that can be verified from a reputable third party (i.e. county records).However, you can still get hard money loans as a brand new investor, even at 10% down. 

Only talk to a Known lender in your market that you can verify not someone off the internet.

I believe if you get deployed elsewhere that your selling fees are covered but verify this.Good luck

Hello Nathan,  to protect yourself as a lender in an owner finance transaction, you should use an RMLO to disclose the loan terms to your buyer and verify their ability to repay the loan. 

I'm assuming Equity Trustees, but just wanted to verify if anyone has bought through them already?

The numbers in the tool are as reliable as the data chosen to perform the analysis, and that is up to you, not the software.The tool currently uses Zillow data to suggest a number of comps for you, however you still have do the work of verifying their suitability for your analysis.

Multi-family properties are usually the easiest for an qualified engineer to perform a cost segregation study on, because the units are generally identical.

As far as the Umbrella policy goes you should look at an Umbrella Policy as "excess liability" or "secondary coverage" meaning the underlying policy (home or auto) pays first in a claim situation and if the claim exceeds the limits of the underlying policy THEN the Umbrella kicks in.There are companies that will sell you an Umbrella policy without requiring you to buy another policy from them ...but...they still want to verify your underlying coverage on the home and autos.Geico is an Auto insurance company first - they broker out the homeowners policy to other companies which is why you may not be getting good advice from them...plus it's an 800# and the kid you are talking to may not have any real world experience in what you are trying to do so can't think of any solutions.Try reaching out to a local independent agent or a Farmers agent - Farmers has options to put all but one of your autos in "storage mode", and should be able to combo that with your home as a landlord policy thru Foremost then set up an Umbrella policy for you on the entire package.

. - It is very possible they just signed the first person they could, or relaxed the criteria, or didn't try or didn't at all verify their previous rental.