.- The property is not getting much traction as a turnkey, and your hard money loan is maturing soon.Here are some key things to consider:**Refinancing with a DSCR Loan:**- DSCR (Debt Service Coverage Ratio) loans are great for investors because they focus on the property's cash flow rather than your personal income.- Make sure the property appraises for the calculated ARV (After Repair Value) to get the best loan terms.- Consider the loan terms, interest rates, and any prepayment penalties.

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

Our lease requires the tenant to carry renter's insurance with a minimum of $300,000 liability coverage naming us as additional insureds, as well as covering their personal property.

Your insurer gains a better understanding of your entire risk profile, which can result in more tailored coverage.

For example, landlords can usually afford to pay more than house flippers because flippers incur higher costs for renovations and must cover agent fees and related expenses.

Ask that these expenses be covered under your liability coverage, as the leak was not caused by your renters, but it  did necessitate the moving of items to prevent further damage. 

Since this happened during the storm, you might also want to check your insurance coverage

I actually keep my broker checking with one company to see when they are taking more policies in my zip code because they have great rates and coverage.

The thing is, emotional support animals aren’t the same as service animals, so they don’t have the same legal protections, but they still get some coverage under housing laws.Now, you can ask for documentation to verify the need for an ESA, but it’s a slippery slope when it comes to denying the request based on your suspicion of the letter. 

If so, what type and amount of coverage do they have carry for them.Secondly, I'd ask an insurance agent I presently use for advice, given your situation.