If not, then the tenants are responsible for payment.If you list the insurance provider as the payer and they fail to pay, you'll be stuck with tenants that have zero responsibility for payment.

This is just my opinion because in over 18+ years in banking I have had thousands of customers who started off doing fix and flips change gears and then buy and hold. 

Then we stumbled upon "fractional ownership".

They are all listed as "est." and then whatever the price is.

@Holly PetersonWe see many lending in a junior position and not checking on status of the first and then the first goes into default and accrues very high interest that eventually wipes them out.Always make sure you understand full picture

For a duplex that you're renovating and potentially BRRRR'ing I would look to target to get 80%+ of my cash back on the refinance and then cash flow a bit less - maybe $100-$150 per door.  

Back then I used an online service to filter my target areas.

Everything is tied to the master account, which is my holding company, then broken down into sub accounts per LLC and per property.

If you get enough loan volume to one lender, then you can start asking for a more efficient relationship.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!