@Renee Weaver I buy a policy for my flips through my Farmer's Insurance agent - but it isn't a Farmer's product - "US Assure"...

I am the group president.

Although a lot of reasoning by landlords at the time seemed fair in their minds, this reasoning was deemed illegal by the presiding judge. 

Another idea is to buy multifamily properties.The area in which I'd like to invest does not have any type of "landlord association"...so I made a "landlord association" website and appointed myself president.

Due your diligence and good luck growing your portfolio.Best regards, Renee

National Securities Series case is used as legal president that shows the courts recognize Separate portfolios of a series business and that if each series is treated as a separate trust and the creditors of one series of the trust may not reach the assets of any other series of the trust. this is just basic law 101.

I attended a Commercial Brokers Real Estate Breakfast a few months back and Ada Healey, Vice President of Real Estate at Vulcan shared that they've only built three condo projects in their history, and they lost money on all three of them. 

@Renee Harris - I farm so that's a big part of my door knocking.

Thanks for the quick feedback,Refinancing would save about 60k over the life of the new loan compared to the old load with the PMI, I also spoke with my current lender and there isn't much they can help with as far as the current loan other then refinancing, there rate seems high compared to a few others i talked too, so i will definitely shop around a bit. my next question i guess would pertain to these seemingly scam like letters i get and ads that pop up that go something like " under president obama you can refinance out of your current loan and cost you nothing if you owe less than 679,000" obviously nothing is free but are there programs like this?

When I am seeking lenders that hold their own paper I (1) go to the local REIA and find out who partners and lends privately, but that will take some time building relationships (2) go to smaller more localized banks, not mortgage lenders or brokers as they by definition are selling their loans.I have also found that if you go to banks in smaller markets outside of the metro, where there is only one or two offices that you often deal directly with the bank president and can make some great loans and connections.And I just posted this on another question - but go to local REIA meetings, meetups and the like, talk to people, vendors and build relationships and you will be able to get some great referrals - just like here at BP, only live and face to face - I think there is even a live BP meeting in Waldo this week?