I am pissed at the company and in search for a decent management company at this point. 

Always good to know of other companies who provide products and services!

Similarly, quality dividend-paying companies often retain some earnings to reinvest in their business, increasing the company's (and your) value over time.

I'm going to ask my insurance company.

Sounds like your 2 previous companies didn't know what they were doing.

Quote from @Dyllon Gibbs: Hi All,Does anyone have experience with rent guarantee insurance and any specific companies?

I didn't see a need for a holding company but if someone wants one, you can just use another LLC as the holding company.

Do any of the tenants have Dogs (Breed restrictions are individual to each company).These may not prevent you from getting insurance but they may limit the number of companies willing to insure it.

The reverse mortgage company wants buyout and I dont have over 200k to pay out.

My managment company has made more than a reasonable amount of attempts to get the HOA to have this repaired.