So far that roof warranty company denied all the claims I made anyway so I guess as long as we keep the roof good then we don't need the warranty to begin with. 

If anyone in Denver is interested, the city is revising their zoning policies on ADUs - you can see a summary of the changes here or you can read the full changes proposed hereThey are taking public comments and questions through Thursday and hosting a virtual town hall tomorrow evening before a recommendation is made to accept or deny the proposed changes to the zoning laws.

Clerk denied it, find my phone located my phone in the store and he still denied. 

Any company insuring your properties without an inspection most likely has a clause buried deep in their policy allowing them to deny claims for conditions found on the property that do not meet their UW standards and they will deny you claim based on "the house should have not been insured with them anyway".Although the inspections can be annoying look at it from the other side.You pay them 1000 to 3000 a year to insure a rental property where they agree to pay out possibly hundreds of thousands of dollars if it burns down or up to 1 million if a tenant slips on a bananna peel and falls down the steps or the tenants dog bites someone and since you didn't enforce the tenant having their own renters policy to cover the dog bite the landlord's policy is paying out.The insurance company is very much like your rich uncle backing your business venture - you run the business, he takes on the financial risk from disasters, and doesn't even get a say in who lives in the property.Your rich uncle asking you to fix the steps, put up a handrail, etc which is in your and his best interest long term.Do you really want to rent out a property with a busted front step and a bad roof that is going to leak sooner than later?

I think if it's vacant 30 days, then a homeowners or landlord policy will deny any claim filed.

@Melissa Faraias research Fair Housing laws because if you already allowed husband on lease but are denying his child or charging extra for his child, that may be a violation.

Paydex profile, building a bus. score etc. and then getting Paydex 'funding' tied to LLC at 2-10% for 6 to 18 months -- SERIOUSLY?????... 

I'm not saying to invest in El Salvador (I haven't researched it enough) but I think property rights need to be protected in two ways; from arbitrary government abuse, but also from rampant criminality. 

Do I have to refinance with current lender or they will deny any refinancing deal with me?

It is illegal to deny a tenant based on source of income, so if they have a CHA voucher they can live anywhere.