All the properties are paid off except one I have with a owner finance deal.  

I worked for the owner as a property manager for 3 years.

They apparently stopped insuring anything over 30 years old.The property is only a little under 4200 sf with a ground floor salon and two residential units in the 2nd floor, but I'm having a heck of a time finding another insurance company as the challenge appears to be due to its being a mixed use property.The city of Alameda has a bunch of similar mixed use properties and I will be reaching out to other owners as well. 

Even armed with 7 years of experience and over 100 units owner or managed over that time, I still see value in and pay for pricing software. 

Michael, the E&O will most likely exclude coverage for any deal you are an owner of. 

Thanks Its a similar concept to Weighted Average Least Term (WALT) you want to know 95% of "what" a 95% occupancy of all 10x10s still isn't meaningful if those last units are crap locations and won't ever be rented Thank you for the advice, I'm meeting with the owner today. 

Side note: I can cover about 90% of the lease with the two other tenants - the tenant described above was an inherited tenant from the previous owner (never will do that again) and is paying way under market rent, just not sure how much of a process eviction is in Elizabeth. 

Conventional loan with FICO 620 you can buy owner occupied with 5% down.

How do I check/confirm its legit and not something that the owner just paid for online? 

I tried to get an umbrella policy added to my home owners insurance and was denied due to a recent claim.