Hi there,I have a 7-unit apartment building in Norwich, CT and I'm shopping for new insurance.  

Creative things sellers can do sell their house-Seller contributions-seller funded permanent buy down-seller funded temporary buydown-owner financing-contract for deed-seller second-lease option and lease purchase-wraparound and assumable mortgageTwo: creative things buyers can do to purchase a home-gift funding-selling and refinancing existing assets-nonoccupant co-borrowers-using a 401(k)-temporary IRA transfer-pledged asset mortgage-equity transfer and bridge loan-employer assisted mortgageThree: creative things lenders can do to finance a transaction:-lender funded buydown-Fannie Mae's my community mortgage-running scenarios with automated underwriting systems-adjusting amortization period to lower payment-adjusting interest rates to cover closing costs-state, province, and local grant or bond programs-mortgage credit certificate-private lendingAll the three players above, the seller, buyer, and lender, can bring creative solutions to the table to get a house sold." end quoteMost brokers don't know these either, or know them and don't inform - teach their agents.This is through my direct experience.

If you are borderline on the occupancy, my advice would be to continue to save and also see if you have any family that would be willing to give you a gift since gift funds are allowed on second homes. 

It does have a busy shopping area, and a mall that desperately needs attention.

Do you have a one stop shop for all your finances, do you use it for personal and investment? 

But I do encourage you to shop around because pricing on Management services here in Surfside, Garden City and the Myrtle Beach area vary considerably.

Hello all I’m currently shopping around for a new flip / investment .

Gift cards sometimes help, but we’ve had them not work at all.

@Jeff Olson I would look in vacation markets with established STR rules, the short term shop can help in many of those

That being said, you should definitely continue to shop around, especially if the lender isn't being super-transparent or upfront about all the costs with you