You only divest yourself of loan ownership (AKA Liability/Responsibility) by payoff (Outside of stuff like lien stripping in BK and other less common tactics).

I will look at 10+ properties at once and figure out what each should CF at the appropriate tax, vacancy, maintenance, and utilities multiples.

Part of that rehab is that the units are currently two bedrooms but HUGE so we are turning them into 3 beds AND putting hvac that runs into each unit and sub metering water so that the tenants will pay all utilities. 

@Brandon Handel I own several rentals that have asbestos siding and it is pretty common in my market.

@Victoria S.Inheriting idiot loser tenants when buying apartments is completely normal and common to real estate .

I have been more active on the forums recently and I have noticed a common thread present and that is people like myself or in similar situations. 

Mostly blown in fiberglass paid for by utility rebate.

How can I get the last 2 tenants to sign off on paying utilities mid-lease?

The deductible portion is the amount you will be responsible for before insurance kicks in.Hurricane deductible, there is often a higher deductible for these types of claims, appears that is the case with your policy since it is listed separately.Loss of use, in the case of a rental this can pay you the lost rent if you suffer a loss that causes your property to become uninhabitable and your tenant must vacate the property because of the loss.The loss assessment coverage is to cover any responsibility you may have for a loss to common areas.

They can be expensive, but they are a lot more flexible than community, regional, and national banks.A good mortgage broker should be able to fill your entire capital stack - senior, mezz, pref equity, and common equity.