Normally you are responsible for the portion of the year you own the house, and the previous owner is responsible for the time they owned it.

For example, before he switches a policy from short term rental to long term rental he wants pictures.Is it normal?

Totally random but I know you can normally get a nice discount on your hazard insurance if you're within a certain distance of a Fire Station @Ray Ebert

Being a normal person and giving someone a heads up has not bit me, yet.In addition to what the law requires, I always shoot the tenant a heads up either via text, call, or email.If they are mostly responding to email, then shoot them an email.Emojis and gifs work wonders in today's day in age.

Normally, I don’t pull permits because it takes too long for the numbers to work, but I’ve heard enforcement in Coronado is especially strict.Has anyone dealt with this before?

I am seeing more lenders starting to offer manufactured home loans, that normally did not. 

Just keep in mind the MIP doesn't come off the loan like normal PMI at 25% equity.

Both options have pros and cons, and the right choice depends on your lifestyle, experience, and long-term goals.

I have 2 other monthly loan payments I would like to pay off or lump in with my refinance as I believe with the forced appreciation and normal appreciation I will be able to pay off most my HELOC (5.99%) and all of my Credit Card that is currently at a 0% APR until end of May.

This one was a normal sale.