Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

two things I have learned.  1,200 is a sweet spot for demand, and if you do have a large unit of 2,500 get a couple of them zoned for auto. 

Did the insurance get cancelled in this case. 

The insurance agency I work with is having trouble finding a company that understands that type of policy and also offers it.  

This is basically what I made for myself:So every morning I get a report of everything new that hits the market in LA/Ventura, and I can just click the google links, check it out on RedFin/Zillow, and if it seems promising, fully underwrite it (using tools and/or manually), then offer on it.Don't try and come up with an auto-offer estimate, you can't tell the visual quality of the home or how much the construction will be, etc, stick to estimating values of renovated and distressed property in your tools, make it easy to fill those comps/value metrics into an underwriting model/proforma, and let the end users tweak numbers/select comps/etc so they feel confident in everything.

The most likely options are exchanging:Life insurance for life insuranceLife insurance for endowmentLife insurance for non-qualified annuityPersonally, I would first determine what type of exchange you want to do. 

It sounds like the tenant has solid evidence their check or auto payment was received by the wrong party.  

On insurance side of things, there is a lot of variables.

Quote from @Shakthi Kamal: If you don't know the answer, choose the umbrella insurance.

.- When handling insurance on previous subto, we purchased new insurance, canceled the old insurance which was part of escrow.