Charge the $99 for $5K coverage and $500 deposit directly from guest (these are million dollar homes).

Additionally, if an architect has what’s called an NCARB certification, they can obtain their license in other states to expand coverage areas and take on similar projects in new locations.  

What are the best practices for listing a property to virtue signal that there will be a buyers agent commission paid by the seller based on buyer agent behavior such as ensuruing that the offer contains an appraisal gap coverage, waives inspection and other elements that are desirable by sellers?

Does anyone know any lenders that require only 10% down on a DSCR loan?

., the destruction threshold); which Property characteristics the destruction threshold percentage applies to, such as market value, assessed value, replacement cost, or unit count; for Properties with multiple buildings, if the destruction threshold percentage applies to each building, or all buildings as a whole; the replacement cost to rebuild per current requirements for zoning, and land use; the Property’s continued marketability, and economic viability; the amount and type of Borrower-maintained insurance coverage required per Part II, Chapter 5: Property and Liability Insurance, Section 501.02C: Ordinance or Law Insurance; insurance loss proceeds payout, compared to increased rebuilding costs, including from building code changes, Americans with Disabilities Act compliance, and the municipality's local zoning requirements (e.g., green compliance for new buildings, etc.); the sufficiency of estimated insurance proceeds from ordinance or law insurance and other coverages to repay the Mortgage Loan in the event of partial or full casualty, or condemnation; and for a Tier 3 or Tier 4 Mortgage Loan, if requiring execution of the Limited Payment Guaranty (Form 6020.LPG) would mitigate the risk of the as-rebuilt Property not supporting a Tier 2 Mortgage Loan.

The other thing to keep in mind is that windstorm coverage applies to wind damage to the entire building, and not just the roof in my experience. 

The policy for the duplex most likely does not provide any coverage to the tenants belongings or vehicle.

I've had them for a year, and with in that year the company changed coverage policies.Now every insurance company I call to get coverage from says they can't insure my duplex, because it has a flat roof and over 105 years old. 

I will never lend again... its advisairial on its face.. we as HML take ALL the risk or 80 to 90% of it... borrowers who think 70% LTV is enough coverage for a HML have no clue.. plus they are thankless most of the time.. it becomes the bad lenders fault.. so to heck with those folks..

Gaps in insurance coverage can also occur due to confusion regarding the proper insured parties, and transaction costs may also be higher if involved parties do not have experience with the series LLC structure.