does your total mortgage payment include property taxes and insurance?

Basically, the insurance in “to protect the bank in case I default “ even though my credit is 800 and I haven’t missed any payments to creditors in years!

Basically Cozy appears to the tenant like all their other online accounts.Tenant can setup auto pay on Cozy too which is great.

60 years is pretty much standard around here... but since your property now has a known problem (trust me, title insurers do not operate in a vacuum), the time period is irrelevant.Switching title companies wouldn't fix the problem, it would actually hurt you.

You'll also want to find out the actual tax and insurance expenses.

You’ll need a new insurance policy with the llc as insured, this is what normally alerts the bank to the transfer.

Bond(promise) for title(ownership) is an agreemnt for you to become owner in future if you meet your obligations(make payment, keep taxes paid, insurance covered, etc)You don't need permission from you lender/seller to dispose of property.

My insurance company doesn’t open until 9:00, but I’m the meantime I’m scrambling to try and get this repaired/replaced. 

I was wondering if I needed things like a copy of any insurance the seller may carry or proof of the tenant’s renters insurance, If that would be useful to keep on fIle.

If you send your go-to lender your most recent tax returns and mortgage statements for each property, he should be able to work it up in like 10 minutes (assuming your property taxes and homeowner's insurance haven't changed significantly since you did your taxes).