I will check the developer's clauses to ensure they don't have any restrictions on reselling lots prior to finished product.  

I guess we are all a product of our own experiences.

These banks can offer products called portfolio loans, which are not subject to the same regulations as "conforming" loans.

I think they offer a good product.

Well you know how arson is just another sport in that city.. sure enough  one of his houses got torched it was vacant for 6 months insurance rejected his claim. he lost 60k right there.

Since Duplexes are treated more like Single Family Residences and not specifically commercial properties their values are typically driven more from Housing Market forces instead of Income Production.

This procedure diffuses a lot of emotion out of the owner-tenant relationship.See fixerjay.com, then "Jay's products". 

I do so in order to provide my tenants the best product.

With having less then desirable credit no bank will make you a new loan or offer you a refi product. 

Hi Peter,It looks like FFB insurance has an offering - not as good of coverage as AON's product by the looks of their webpage - but some coverage nonetheless.