Opt for landlord-specific coverage: Ensure you have a policy specifically designed for landlords, which may offer better rates and coverage tailored to your needs.3.

Usually only business purpose mortgages (DSCR or debt service coverage ratio) or non-conventional (Non QM) permit the contract and closing to occur in the businesses name. 

With 30% down your options are thousands of lenders.Why is it unwarrantable- master policy not enough coverage; low occupancy rate; HOA reserves; cannot be rebuilt or repaired; pending lawsuit in the less than 10 year after built for construction defect; flood zone with no flood policy...?

Here is what I am seeing right now around the Boston area:Flips:LTV - 75-80% is what I seeOrigination Fee - 1/2 to 1 point feeI look for 100% coverage of hard construction costsInterest rate - I’m between 4.25 and 4.75% at about 6 local banks right nowTerm - highest is about 18-24 months.

Checking my deductible but I will take the experienced advice here - will check with insurance but will refrain from claiming if it impacts my coverage. 

Quote from @Jose Ramirez: I wonder if anyone can give me your feedback on umbrella insurance State Farm called me and told me that I should open a umbrella policy for my rental properties Most umbrella policies don’t cover business pursuits, nor losses from having too low damage coverage.

Supplementing her SS with rental cash flow income may be enough for her to go enjoy life to the fullest AND leave the legacy for her kids and grandkids after she’s gone (that’s also very important to her). any thoughts, experiences and nuggets of wisdom are welcomed!

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

I found out on July 15 that my landlord policy in California on my single family rental home is being non-renewed and the last day of coverage is Aug 1.  

If commercial properties, you can seek loans from small local credit unions and banks that base it off of the debt service coverage ratio and regularly provide loans in the 7s.You can also seek commercial loans on residential properties as well.