The amendments permit a lender or secondary market purchaser that discovers, after the loan has closed, that the 3 percent cap was exceeded to retain QM status by refunding the excess amount to the consumer with interest.

Charge is 10% for marketing plus a low monthly retainer for certain necessary subscriptions, etc.

If they say they do not have that and it is a corp. buying ask for proof they have a controlling interest and decision making authority with a proof of funds bank statement for the corp.Also you can ask for a small retainer upfront of a few K for instance credited off of closing.

Or could the owner retain existing policy (they still have an underlying lien on the property)

Will you be renting the 30 spaces you retain out as transient or non-transient? 

Only takes a few seconds to respond to an inquiry so I'm fine with it.I have a handyman on retainer who lives nearby in case someone needs to get on site quickly to fix something (and a backup guy of course). 

Always consult with your attorney before you rely on the above information.As an aside, I think I retained Todd Rowe to represent an Insured in a claim I handled. 

My research of the GA Condo Act indicates the exact opposite (that windows are responsibility of POA).I called my attorney to get his input, but believe it or not it turns out he is on retainer with my POA so he couldnt talk to me due to conflict of interest.

Make sure you retain adequate reserves to get through any foreseeable problem.

I have dealt with engineers, surveyors, licensed GCs, plumbers, & electricians, and am currently retaining a former City Sr.