Also - get added to their insurance policy and review it to make sure it the correct type and coverage limits include an amount high enough to pay off at least your loan (if you are in the first lien position) or a total amount up to where your loan amount is (so combined first and second liens should be the minimum coverage for the structure you would accept).

I am having a tough time finding coverage for the number of units that I have. 

Student loans should be calculated as 1% of balance as the monthly payment.Quick stuff, others mentioned as well for DSCR:DSCR is debt service coverage ratio.Sorry if you know this already:It is calculated by taking the monthly income established by the appraisal form 1007 (and/or form 216).

Happy to share insurance contact that has provided all of my short term rentals with coverage that includes commercial liability.

A hardening insurance market means rates/premiums go up, coverage forms get more restrictive, deductibles go up, and underwriters get more selective. 

Check with agents that write commercial policies.The issue with the forced place coverage that your bank will put on the property if you don’t replace the policy, is that normally, it will not cover your equity, contents, loss of use/rents, liability, etc.

The only thing the renters need to add is coverage for their personal belongings.

Title insurance coverage does not "transfer" to a grantee whether the conveyance is by WD or QCD. 

Don't allow financing or a finance contingency (it can be a good indication they are selling above market value) Don't allow for your own independent property inspection Are not realistic with their pro forma's (i.e. they don't include vacancy or maintenance projections or use unrealistically low vacancy factors) Require you to pay for any renovation upfront Sell only in cheap. low end neighborhoods Don't accurately represent the neighborhood/property classification Don't have consistent rehab standards for all properties Don't provide a scope of work for the property Can't provide references of repeat investorsThis is by far the most helpful and comprehensive response I have gotten, thank you so much! 

I want, no, NEED better coverage and would love your help!