I have insurance like crazy for our home building division.. plus my personal umbrella policy.. 

The one I'm attaching is by construction division and quite comprehensive.

I tried doing the MH thing out here, specifically for Nevada this state is not the state to be taking back notes as the MHD Manufactured Housing Division hates investors and has a barrage of laws in place to make it very difficult and punish and fine investors as well.

They're a mobile only division of the First National Bank of Omaha.

However, I am afraid that if being successful in REI was as easy as finding the highest rent-to-value ratio, everyone capable of long division would have already built a trump-esque empire.While rent to value ratios can be incredibly useful for comparing deals in the SAME market, the ratio does not account for numerous factors likely to differ between areas and, therefore, can not be relied on as a basis - let alone the ONLY bases, as you are suggesting - to compare the attractiveness of investments in different markets.A rent to value ratio of 1:100 tells you that the amount you can expect to receive in rent each month the property is occupied is equal to 1% of its price - NOTHING else.

And the residential deparment may not know that the commercial division will write something like this. 

Another one offered 75k but again its all up front and they want house as collateral.Anyways...next step is calling Trustco commercial division and see if i can get a human on the phone (no luck so far.)

He is Regents Professor, McKnight Presidential Endowed Chair in Public Health, the director of the Center for Infectious Disease Research and Policy (CIDRAP), Distinguished Teaching Professor in the Division of Environmental Health Sciences, School of Public Health, a professor in the Technological Leadership Institute, College of Science and Engineering, and an adjunct professor in the Medical School, all at the University of Minnesota.

In fact, here in Columbus (I am Adam Rich's business partner), there are already strict requirements to manage property (set forth by the Ohio Division of Real Estate).

Its very thorough, but like most systems, works best for the middle of the range of PHA sizes and extremes in rental variation, as the system doesn't work well in places where there is very limited data (many rural PHAs), markets with rapidly rising/falling rental prices (SF for example), or places that have complex neighborhood divisions and wide range of rental cost within their jurisdiction (generally big cities).