It is common for investors to bring in additional signers, often referred to as credit enhancement.

One of the most common reasons is the lower cost of living.

He also told me he is too busy to talk to me on the phone.  

I do not set up TV, internet, or phone for tenants. 

It isn't like this a condominium where assessments are paying for common parts of the building like the roof, etc.Prior to this, I didn't have much experience serving on an HOA board and have therefore relied on the management company for their opinion on certain decisions. 

HI, I own a part share of a nice recently renovated house in North London, with other members of my family owning the rest, left to me in my fathers estate, with probate granted in 1999, as a tenant in common.

However, there may be a commonly expected way of handling it in your area.

I specialize in investment properties, high-end homes, and commercial real estate, and I run Updegraff Group Realty, a full-service brokerage that helps investors not only find and fund deals but also manage construction, optimize returns, and scale their portfolios.Financing Your First Deal Without Using Your Own MoneyIt’s a common question, and the truth is—it’s very doable, but it requires strategy and relationships.

Just a guess though as it's impossible to know without more information.Difference in conditions really doesn't have anything to do with the amount of coverage.Surplus lines policies are more and more common in this space. 

@Daniel Tanasa house hacking looks to be the common suggestion, thanks Daniel