I understand why carriers associate Condo/PUD construction with greater liability risk (I am sure being based in Philadelphia, a jury friendly city doesn't help either) but curious which carriers others are finding to price coverage without this exclusion and also price the coverage competitively.This also serves as a reminder to review the coverage when you hire a GC for more substantial or unique construction assignments. 

It's a 3 restaurant package in West Virginia (where we already have a base) and includes 1 piece of real estate.

Lenders usually determine whether properties are lendable based on the debt service coverage ratio. 

I never thought about maybe they are assessing it based on wrong fundamentals such as you said.

There are too many factors to consider to just provide base rates for what you're asking. 

Hi Charles, I'm also based in Honolulu with young kids and in a similar situation to you, have also thought about buying an investment property in Japan that we could use part-time and rent out at other times.

My answer for you is not based upon your Sub2 question primarily.

@Daniel Baker I would say a lot of it is based on their training or their resources that they utilize to complete your taxes.

They generally have out of college/construction unseasoned folks doing the paper permit reviews from what I've seen based on the comments that come back. 

It looks like you are doing an affordable build based on the cost but hard to say since you didnt provide info on the build itself such as square footage and finishes.