For larger projects, i.e. a few dozen units or higher, developers usually are running a financial model in excel, like a proforma to solve to Return On Cost, i.e. 6%, etc. 

Not to mention the GL is usually only about 15% of your overall insurance cost.I'd suggest asking your lender to put into writing what is the maximum risk they will allow you to take and then give those guidelines to your broker and see if they can improve on your current program.

We fell into the trap of giving them multiple chances and hoping for improvement, but it usually resulted in further delays, additional costs, and compromised work quality.

We look at the deposits for the last 3 months and then lend out usually up to 50% of that average.  

They usually are worth 15k more on an appraisal but cost 25k to 40k to install a new one. 

Usually 2 situations: 1 can not contact them-start foreclosure. 2 Talk on phone, then talk in person.

I've never had an issues, it's just an extra safety measure.  

You cannot charge anything extra.

Contrast this with if you bought a turnkey/move in ready for $200,000, you can't add value usually (maybe update the kitchen 10 years later, add an ADU in the backyard if local laws allow that).

Usually foreclosure is the last resortWith that aside, the biggest issue here is that a lease was signed without your consent as the owner of the property.