I bought a primary residence house last year which I am not planning to house hack.

I agree with your last sentence, I'm in it for the long haul where the appreciation will eventually come. 

Hi all, I've been having a hard time finding a landlord policy that will insure a condo and a property with a loss history.

@Chris F.I like to track job with/losses and median income for that area as well.

Here’s a glimpse of our last 72 hours:On Saturday night, two kids trespassed and broke the security gate lock at one property.

You are entering a more challenging RE market than virtually all of the last dozen years.  

For newly constructed, purchased or renovated properties and also retroactive generally over the last 10 years, building components are properly classified into individual units of property and accurate recovery periods for computing depreciation deductions.

While a conveyance via WD may provide the possibility of the Grantee suing the Grantor for a breach of the warranties and thereby triggering the insurers obligation to defend the Grantor or pay the covered loss, it is not the same as the Grantee being insured under the existing policy. 

If it's a cash out refinance and generally most lenders want at least a three month waiting period to use the new appraised value if rehab was done (waiting period also called a seasoning period between the last loan or purchase of the property and the new loan).

The only issue we had with our last build (outside the normal issues associated with rehabs) was delayed time.