am working with them now and had the first policy (with Spinnaker) cancelled for nonpayment/late payment so we rewrote another policy (with Millenial) and having the same payment problem again but at least they are communicating that cancellation is coming. they want me to pay by credit card over the phone so the payment wont be late and cancelled again. but when i go to mycoverageinfo.com to check on status it shows its been paid.

Reports to credit bureaus.

If you're using traditional financing on your primary residence, they're going to do another credit check on you just before closing.

Yes, that’s another credit union only asking for 10% down with no pmi.

I am betting your gonna find a lot more friendly amicable persons than shut doors. 

Otherwise, if the numbers make sense and your credit is good, it should be easy to find a lender.

But you have to ask proactively, and be mindful of how long you stay in forbearance to avoid long-term credit issues.🔹 Insurance Challenges – Even when insurance pays, it rarely covers the actual cost to completely rebuild.

If the property were owner-occupied, would I only receive credit for one rental unit's income, while the non-conforming basement income wouldn't count?

What minimum credit score?

You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage.