Our mortgage brokerage works with real estate investors all across the country who face these same decisions regularly.

Subject To isn't by it's nature fraudulent, it's just the hammer the attorney will use to try to win his case.

Beyond something of extreme nature I find most things are repairable, especially if it’s a rental.

Trying to read between the lines it sounds like you have a regular owner occupied homeowners policy in place on a rental property. 

Hurricane Helene shows us that natural disasters are part of the risk in REI.

But for $1.6m there are 3 or 4 deals right now on the market that will buy you 30 to 60 units and not require anything more then regular maintenance and upkeep.

Be active, transparent, and provide helpful insights and leads will naturally find their way to you.I couldn't agree more.

Functionally, it operates as a 2-story home since the downstairs area has multiple windows in each room and plenty of natural light.

They do a good job of regularly releasing episodes and they frequently talk about starting out with their initial capital pool and growing their business. 

Pretty much any regular bank / lender is going to require themselves to be in first position on all the properties... so I don't think a HELOC type solution is going to work across multiple properties with multiple lenders.