Quote from @Joe Homs: @William Coet you can always insure it yourself. 

Perhaps on higher end homes it is different but it sounds like you are talking average Joe, blue collar, housing.

Quote from @Joe Homs: @Kandarp Patel Have you tried the Big banks.

Thanks Joe for the reply.

Either way, I am not appraising it as illegal, I'm not willing to take on that liability, especially for an unpermitted bedroom/s.What @Kyle Gardner stated is unfortunately incorrect.

Quote from @Joe Biscaha: Quote from @Joshua Townsley: Quote from @Thomas Tsitouridis: Quote from @Joshua Townsley: I have seen that project and I am a little fearful that it is going to cause price competition and from there it is going to be a race to the bottom for who gives the best deal per night and that hurts every owner.

Joe's. 

or @Joe Villeneuve please correct me if I misspoke.

Quote from @Joe Villeneuve: Target a price based on where I am in my REI plan, which has a specific amount of cash available, and a specific return needed from that cash, at the specific timeline in my plan. 

Personally, just add his name to the deed, Pandu Chimata and Joe Blow, as tenants in common....