I have done a great deal of study on monetary and fiscal policy and its macroeconomic effects and have been satified with my understanding and has lead to greater confidence and clearer vision in my real estate investing.

HUD wants to try and get the companies to have similar policies.

The most obvious thing is that you don't have to pay the points, interest, doc fees, lenders policy, etc. self funding a flip saves you time, headache, and money.

My current policy has $1M in liability though I'm certain there are more carve outs/exceptions than Nationwide.

Any rental guarantee should be offered directly by the developer/builder or as a separate third-party policy NOT tied to the tenant, but rather tied to the property (as we do it).

you'll get differing responses as lenders have differing policies on bonus' how its structured, down payments line of work etc when they calculate your DTI.no idea if your going FHA or conventional either - best way to do it is just go to your local branch credit union and give them your info.

My husband does not want to leverage too much, since we have zero loans on the RE that we have now and he's getting close to retirement.As I said, I'm trying to learn as much as I can now on BP, the web, books and have just joined the local REIA, but I'd love any thoughts you guys might have on this particular situation.

Every area has their policies on this type of stuff.

I have the option of going with a landlord policy with $1M in liability coverage.

The only time I'm ever able to justify doing my own title search is if the property is really cheap - so cheap that a title insurance policy is overkill ...and these kinds of properties are usually a waste of time in the first place (depending on where you're at financially).