I have called numerous banks about tons of houses and they had zero interest in speaking with me.

@Jason Bilbrey I did Property Management for about 6 years, our policy probably was a bit proactive to situations like this. 

I just started an LLC and need to move my properties onto a commercial policy.

Hey BP community, I've always heard that whole life insurance is a rip off and my husband and I have good term life policies.

Much less commonly used.Most Personal policies (Homeowners & Dwelling Fire) from the companies providing the best rate (on a per $1000 of coverage basis) will be written on Replacement Cost.

Is zero % vacancy bad?

Those rules include having to use a disclaimer that is a bit like the surgeon generals warning on cigarettes - and if you follow the rules and include the warning, most have found that they get almost zero response.

My experience is that honestly is the best policy to avoid legal trouble.

There is ZERO upside to paying utilities at a SFR.... if its free to the tenant there is ZERO incentive for them to keep their use reasonable....If I didn't have to pay my utilities you can be damn sure I would have my AC on 70 degrees on ALL summer and the heat at 82 ALL winter

All payments on the two loans net out to zero.