., a DSCR (Debt Service Coverage Ratio) loan could be a great option as they are not based on your income. 

The coverage you need will vary based on the assets covered under the umbrella.

It's also crucial to use a Debt Service Coverage Ratio (DSCR) calculator to assess the financial feasibility of refinancing in the long term.If you need any assistance with these calculators or ensuring their accuracy, I'd be happy to help.

Some coverage is better than none in this case. 

He understands the specific coverages you need. 

Here's why:  Even if the contract maintained insurance, I doubt the carrier would pick up coverage.

While you're talking with bank find out if your next purchase would be based on your DTI ratio or if it would be based on the debt service coverage ratio of the prospective property.  

Debt coverage plays a factor.

It's damage insurance, they have various levels of coverage.

I replied in the other thread as well but you need to check what type of provisions you have on your policy to make sure you have the coverage you think you have.Was there any discussion of the condition of the roof when you purchased the home/insurance in October?