I don't require my agents to join NAR and in fact dropped my membership when I opened my own brokerage.If the situation made sense, I wouldn't necessarily require an agent to join MLS, but it's such a basic tool of the trade, I can't imagine someone who is active in the business going without it.

First American and Chicago won't do them and Fidelity and ORNT last I heard would consider it with an affidavit that the purchase price was disclosed to the buyer, which basically defeats the purpose of a double close.

ANyway that is  my beginners guide written by a beginner but is basically what i look for.  

I have talk to 4 insurance brokers, and directly to many companies such as allstate, steadily, safeco, liberty, american summit, american family, and a few other, but am basically out of options.

They can change terms basically at anytime before closing for non-owner occupied - is it good for the reputation - absolutely not - but it does occur.

is med basically its only use case for filling with new tenants? 

It will familiarize you with the basic terminology and benefits.

Basically, from what I've seen (and this is purely anecdotal), they're not really going to go out past one, maybe two miles, unless there simply is no truly comparable property.

Where I see some disconnect is so many on BP that are so focused on buying RE doors that they basically live well below there means and have all this focus on rentals etc and they miss out on a lot of things there is to do in life..

This tool is basically designed to help you decide whether or not to submit your LOI for further diligence.