@Kevin Tuttle OK but the multiple properties that I own are free and clear when a tenant leaves I have no fear I have no mortgage to pay I do my minor repairs find another tenant And go back to making the same return Copy paste repeat buy a new property free and clear find Tennant when they leave no worries I owe nothing other than taxes and insurance at the start of the year

Hi Everyone,Insurance has been a frustration for me as I'm constantly adding property to my portfolio and always need to go through my agent (often with a couple reminder emails).  

Many insurance companies will no longer insure a property using oil due to the risk of a leak.

If the 2nd is compeltely upside down and someone wants to complete a sale then it's in their financial interest to try to recoup any funds that they can.Depending on 1st lien investor or insurer guidelines will determine how much money is allotted to suboridnate lien holders.

Maybe you can get an equity loan on your house or you might apply for a FHA insured loan that helps you get started. 

Has a list of people waiting to rent there and is getting $675 per unit. 2 years ago one of the tenants left the gas stove on with food cooking and it burned down the 3rd unit, due to insurance reasons he had to remove the building pad as well after demo.

Is it even legal for an insurance agency to ask if you rent to section 8 tenants?

I know that you can't usually sell such a property within the 120 days because you can't get title insurance. 

The brokers says she does not want to release Funds to seller before work has been made and paid for by the insurance.

Does anyone know of any insurance brokers or PMs that specialize in MFH in the Phoenix, AZ area?