So I’ve read that unbrella insurance providers require you to use them for car and home. I am a land lord but don’t own my residence.What are my options?

Also - the no taxes on tips is not currently law.  

If it's LEGAL (i.e. no civil or criminal penalties for it on the books) and it WORKS (meaning, it's profitable) then that's all that truly matters to me. 

Non-compliance can result in penalties up to $500 per day and potential criminal charges.

I have a 780 credit score and no debt besides my personal residence.

There are also 'mezz' lenders (typically for larger transactions) who will cover up to 90% CLTV and require you to bring the remaining equity to the deal, and additionally there is Gap Funding in the form of unsecured personal debt.The latter can potentially be the most expensive option, but allows for true 100% financing as there are no restrictions for how to use these funds, as they are unsecured, and generally obtained through personal credit, income etc (since there is no collateral for obtaining these funds).

Again, I would say there is no one size fits all, as each have their own risks, i.e. floating rate has interest rate exposure (a rate cap is just a prepayment of that exposure and is temporary), but fixed rate has prepayment penalties.  

Hey everyone,I'm in the process of purchasing a multi-family apartment building and just discovered none of the current tenants have any kind of move-in inspection.  A bit weird for me.  I'm use to a move-in inspectio...

out of 100 HML maybe 5 do new builds.. and zero will do loans for someone with no experience so that is going to be the key if you have experience or not.. if not they then like to see an experienced GC on your team. 

Please, no solicitations.