Berkshire Guard was the most competitive for 5+ unit properties in my state (Ohio) until they weren't and now just sent out letters to all their clients saying they are no longer offering coverage here at all - 100% non-renewal of the book of business. 

As a real estate investor, understanding both the Debt Service Coverage Ratio (DSCR) and Capitalization Rate (Cap Rate) is crucial because they serve different purposes in evaluating and financing investment properties.

Hi Troy - I suggest considering tenants to carry renter's insurance that includes liability coverage.

Whether you're a new investor or looking to scale your portfolio, qualifying for traditional loans can be a challenge—especially if your personal income doesn’t meet the strict requirements.That’s where Debt Service Coverage Ratio (DSCR) loans come in as a game-changing solution for real estate investors, providing an easier way to finance properties based on the property's cash flow rather than your personal income.What is a DSCR Loan in Real Estate Investing?

If you can get insurance coverage and the local building department isn't giving you a hard time at all, then I'd say you're good to keep on moving forward with the deal. 

Further you have the insurance and benefits from your company coverages for you and you don’t have to pay a dime.

It really depends on the structure of the deal and the lender's guidelines.Another option you might want to consider is a DSCR loan (Debt Service Coverage Ratio).

-The insurance market could change by denying/reducing coverage to addicts, putting this clinic out of business.The way I see it is even if the clinic shuts down and they break their lease, I could always rent it at market rate to a normal family, or I could just sell the property.  

If the tenant causes damage to the property, does builders risk provide adequate coverage?

Following to hear how skimping on the expenses involved in a true double close works out.I doubt a hold-open or a binder provides the coverage that will be needed here.