For reference, your state has other forms at http://www.car.org/legal/standard-forms/ depending on what deal you have.

The situation is a little complex, so get some legal advice.

Once I did some shopping around and found a broker and insurance carrier offering good rates, I've simply renewed each year with the carrier.This year, the broker notified us that one of the lenders (WFB), who has a fractional interest in one of the four units, is demanding that we double our liability coverage.Given that the lender is not paying the premium, and that they only half a partial stake in 1 of the 4 units in the building, what legal rights do they have to compel the HOA to seek out a higher premium and double liability coverage?

They know unlike other creditors we know where they live and will be relentless in getting payment.What will happen is you will condition them to pay on time or they will leave and be a deadbeat slow to no pay tenant somewhere else.Either way you will come out the better for it in the end.No legal advice

If you actually have the legal ability to sell just your portion of the home, sell it at whatever price you can get.

Ponzi Scheme - Social Security & Stock Market are legal forms.

How long does one have to live in a unit of an OO FHA financed fourplex before it's legal to move out and rent it to someone?

I've seen a number of posts citing the legal issues.

Reduce gov't waste, legalize drugs, and make sure those who are receiving welfare are not using it to pay for cable TV, cigarettes, and iphones.

Yes, it's negative, but it's far more negative then you described when you start adding in repairs, vacancies, legal issues, etc etc etc that are bound to happen long term.