Is there a way to structure this deal so that they don't lose coverage but we gain ownership?

I ask b/c I was under the impression that with a healthy debt-coverage ration from the rental (I've heard lenders like 1.25) that loan doesn't really count against you.Originally posted by @David M.

Makes sense that each building would need their own coverage but I'd want to stay away from the "double insurance" on the parcel.

@Grace EstebanI find I have plenty of coverage/replies with just three listingsCozy.co - where I manage my rentals.

If all this fails you can get coverage through an Excess or Specialty market.

Qualification is based on the debt service coverage ratio for the subject property, your credit and your liquidity. 

(Errors and Omissions) provides coverage for monetary losses sustained by a person or organization as a result of a screw up by a service provider.   

Long term health coverage. 

Airbnb helps to provide coverage for damages.  

I will give a few examples of my coverages.