I'm shopping around for homeowner's insurance (California) that includes wrongful eviction coverage for an ADU attached to our residence.

If you did pursue a DSCR loan (debt service coverage ratio loan), your primary residence payment wouldn't even be counted in qualifying for the STR purchase later.Definitely purchase the primary first.

Most newbies want the agency loans and just focus on getting great liability coverage through insurance.

It's an issue and things like deductibles are increasing...so higher costs/less coverage. 

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

A DSCR (Debt Service Coverage Ratio) loan may be an option; certainly for the one that cash flows, and possibly for the other based on lender and rate at the time. 

Happy to make an intro to the CS Outsource answering service team that does our late-night support.They help with 24/7 emergency support, overnight coverage, troubleshooting issues, dispatching approved vendors & local staff, tracking and managing maintenance work orders, and other back-office tasks.

Many insurers have started slipping in language that excludes certain coverages on roofing material. 

The 2 main reasons for increase were as follows:-Many carriers have moved out of Colorado or no longer offer coverage for HOA communities, so there’s a smaller pool of insurance companies to choose from.

Allstate and State Farm in Illinois lately have been huge a**holes as far as providing coverage when a loss occurs.