These two things are premiums here.

Edit: most of the things on line like whitepages or whatever ask for a name. but i dont know her name and i asked some neighbors they dont know her name. so if i cant figure that out what do i do?

My insurance policy is up for renewal, and my (new) broker just came back to me with an insanely high premium.

Here's an article about the group doing this in Denver:http://www.bizjournals.com/denver/print-edition/2013/12/06/earthmovers-and-shakers-developing-new.html?

I am sure it will eliminate some buyers and the premiums will effect the NOI.

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Either you and/or your partners need1.) experience with property type and similar size.2.) net worth equal to the loan3.) liquidity equal to 10% of loan or 6-12 months debt service4.) property 1.2 dcr or better5.) 25-30% down plus closing costs, not to be counted in above6.) 12-24 months p&l7.) current rent roll8.) personal financial statement for all loan signersMay be required: capex reserve, first year insurance premium+

I would check banks in your area to ask about their guidelines on CH7.Most lines of credit are 700 + and in some cases like US bank its 660-680 min.Every bank is different each risk they take will most like equate to a premium that you'll pay on your end for that luxury whether it be a higher LTV or a lower score that they may allow.Portfolio lenders locally may consider a low LTV loan on your free and clear properties especially the purely asset based lenders but that usually means rates in the 8-12% range most likely.

I wish there was an editing tool.

You will most likely be looking at terms of 5-years - we have encountered 10 and 15, but there was an interest rate premium.