Be sure to maintain your coverage at all times.

Other animals, such as birds and hamsters, will be appropriately caged.The tenant is required to provide evidence of renters insurance with animal liability coverage naming Philia Holding Co LLC as additional insured.If any part of the animal agreement is violated, or the animal becomes a nuisance or a hazard to others, property management can require the animal be removed or can terminate tenancy.

Yes, it’s sucks to drive a 2005 f150 and yes there are ways around it with different lenders, but your income and expenses won’t be different with another lender, just the way they calculate your debt coverage.

Errors and omissions insurance does not cover agents on their own properties.

If they are a portfolio lender then they will not have an issue with DTI ratios since they look at each property on an individual basis and will be more concerned with the DCR(Debt Coverage Ratio) of the property you intend to purchase or refinance.

It includes liability coverage, right?

This too shall pass.Interestingly, this is exactly the reason that loan underwriters "stress test" the financials on properties and require things like a 1.3 Debt Service Coverage Ration and cash reserves.

@ Jason Crowe here is a link that explains the flood vening for areas in a AE flood zone, Brake away walls are required in a VE flood zone. https://www.fema.gov/media-library-data/1585162441620-bd1b5b0d5cf34eda30d6363c63290d9a/FEMATB1_508_031320_rev.508.pdfAS for the lenders requirements to have flood insurance coverage; this is because any lender that gets government funds to offer a loan are instructed by the federal Law to mandate any structure that is in the high risk flood zone (flood zone that requires flood insurance) to purchase a flood insurance policy.Every lender for Every loan pull what is called a Flood zone determination (FZD) which will tell the lender if the property is or is not in the high risk flood zone (Typically a AE or VE).

But since you changed the owner of the property to the LLC, there is no longer any coverage.

I’m thinking good coverage at a reasonable cost?