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

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. 

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.

There are 7 tests to determine if you materially participate (only need to meet one) the most commonly used tests are:1.

A few more "common sense" steps would be to mark depth, post "at your own risk" signs, put "at your own risk" in listing/guest agreements. 

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

There is an HOA.We have been working with the developer to make the unit ADA compliant, and the only way to do so was to add a door from the commercial unit into the common entry/lobby, as there is an ADA compliant ramp there. 

A common strategy I see with diversification exchanges, is that the investor will purchase the first property cash and the second with a mortgage.

Would love to jump on a phone call and answer any questions about the OKC metro and investment opportunities and the market as a whole.

I'm not sure if you'll be able to find his contact information and I'm also not sure if I can share phone numbers on a thread so if you message me I'll connect you up.