My search for this property was a little over 9 months of pretty extensive area research with boots on the ground.

We will be sure to share the list of lenders we have as well that can help you accomplish your goals based on the lower down payment you are looking for. 

Any other possitive factors  - stable tenant base  - alarm systems  - regular checks on the property  - no pets  - Lead safe certification  - newer roof, plumbing, electric, etc..Anything to balance off the lossesBe prepared that it may end up in a non-standard (surplus lines) market for a couple of years.If you did not have flood coverage before, see if they will continue the current policy if you get Flood coverage and increase the property coverage deductible. 

If you search hard enough you can find a sample for most of them. 

Gave us written acceptance, went through the appraisal process, but then while rounding 3 base, choked.

Search this forum for books and you can find best reads 

An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provides support for the property tax appeals process.

I choose the calendar year I pay in based on where I am with deductions for the year; if I'm already maxed on deductions I hold the payment until January; that gives me potentially double deductions that year. 

And I still didn’t base the purchase on the ratio of property to land, but upon the cash flow the property produces.  

For developers & investors in North America, there is a new route to market leveraging on proactive product based offsite construction solution.