Each carrier will evaluate the property and determine what the cost will be and that's why each carrier has a different premium for the property with generally 85-90% of the coverages being the same.If you feel the dwelling is low see if they have a guaranteed home replacement endorsement that can be added or 150-200% dwelling coverage to truly protect yourself in the event of a total loss.The market is going to be like this until 2025 most likely so the easiest thing to do is raise your deductible without sacrificing coverage.

This can help you make informed decisions and maximize your investment.Keep your wife’s concerns in mind and ensure you both feel confident in the path forward.

Feel free to inquire about their staff qualifications if it's a larger organization.2.

If you can easily touch it and feel it, it affects value. 

The private lending world can sometimes feel like the wild West, but as far as industry norms go I would say that your lender is operating outside of them. 

Feel free to reach out to me anytime in regards to ground up construction financing for first time investors 

I'm hoping to partner with an expert to buy, flip and rent my first multifamily property.     

I feel your struggle to find someone to trust from over state.

Anyone in the Tri-State area, feel free to reach out.

It may feel uncomfortable at first, you may have to find what works for you, but if you want to consistently find potential deals without immense competition it's likely where you should start.