Ask if any of these can be “bought back” if you want coverage. 

There’s a rental property calculator under Tools that seems pretty comprehensive.

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Debt service coverage ratio is more important and should be looked at in conjunction with leverage on a deal.

Typical Denver infill lot is 6250 sf and 4500 sf of house usually is maxing that out for allowable building coverage area.

I got a recommendation from another investor in our area on a great agent that deals with these types of coverage. 

Are there any creative ways to go about it without the owner losing their Medicaid coverage?

Nice thing about Proper is that they provide the higher liability coverage ($1M to start) but tend to be a bit pricier.

Generally there is coverage for the existing structure and for the improvements.

I'm researching coverage and the last thing I need is someone getting an injury on an STR.