Now that's a red neck hot tub that is Jeff Foxworthy! 

Though questionable if the deal has the money on it to do it.Maybe call the realtor's broker and ask for help, sometimes they stick their neck out to avoid future drama.   

James,  At a minimum, rental properties should have three coverages: General Liability CoverageBuilding Coverage Loss of Rents / Business Income CoverageGeneral Liability Coverage - covers against lawsuits claiming you are responsible for Bodily Injury and/or Property Damage.

You have to think outside the box.Take a look at the following spreadsheet to get an idea of where one path will take you:How I buy houses for pennies on the dollarhttps://www.biggerpockets.com/forums/311/topics/67...Will it work in your neck of the woods?

INJURY:  What about if a tenant or tenant's guest is injured inside the condo? 

Sam,I posted this earlier and it may help in determining what you want quoted for your rentals:Building Coverage: Special Form perils and Replacement Cost valuation (Named Perils and/or Actual Cash Value would be less coveage)Liabiltiy: Max limit the policy offers (usually $500,000 or $1,000,000) and with an endorsement for Personal Injury Protection (ie.

Will this break neck rate continue?

It's great to see people from my neck of he woods.

I will tell you that sourcing MLS deals can be a pain in the neck for multi family properties.

Tough luck with the scuba injury