You need a pitch to win in a personal letter.

It's all done by email, you'll never talk to your rep or processor by phone and if your loan officer or processor is bad at they're job getting a loan closed can be a nightmare. 

I would certainly comb through your past email/communications with the agent and report the issue to both the insurance company and insurance commission. 

What's the name of the position or person who can tell me exactly a price range for what areas of the duplex/triplex need to be fixed and how much they cost?)

I once got a VERY VERY angry emailed response from someone who accused me of trying to scare people into listing their homes because what I was saying wasn't true.

So, when you say they not do report on your personal credit report I guess you are talking about non-recourse loans? 

Ana,Based on experience and this market me personally I would avoid a HELOC for a few reasons.

Fingers crossed in 7 years I have not had to test my coverage, but in the area of my rentals a golf cart is expected with the rental.When they crash into someone else, did that person sign the waiver too ?

Don't take it personally. 

Note ADU addition in a MF zoned area may be comped with a duplex but I personally think this is wrong as a SFH with ADU is not a duplex.- it is cheaper to buy a property with an existing ADU than adding one   In addition you would receive RE purchase financing.