I don't have functions where people go to a low or no fee seminar making wild claims and trying to suck them out of 40,000 or more ( talking in generalities not a specific company ).

That's almost by definition going to exclude most/all claims by a spouse. 

I've seen people get dropped from carriers  and claims denied because they did not disclose that the use of the home changed.

The folks who are placing families affected by a need for an insurance claim have an "inbox" that is overflowing.

As mentioned above, you can quit claim ownership of the property, but you are right- lenders don't like that. 

Borrower Types: The Professional - HM Lender will cut sweet-heart deals to keep these borrowers around Experienced real estate investors Regularly engage in property transactions Typically have a track record of successful projects The Newbie - Charge Higher everything as the risk is higher as no experience Novice investors or first-time borrowers Limited experience in real estate Seeking to build their investment portfolio The Deadbeat - Only lend if the deal is so SWEET, they can't lose if they take the property from the Borrower Borrowers with poor credit history or financial difficulties High-risk borrowers May struggle to secure traditional financingThe lender will do an application on the deal/borrower and some standard docs they require are:Hard Money Application / ExperiencePurchase contractARV report – COMPS – See * Redfin*Pictures of Property – most people use Dropbox to shareProof of Funds – Down / Reserves (Bank Statements)Personal identification (ID or passport)But usually if the deal is sweet enough, they will do it anyway because if the deal goes south, there is so much equity/value in the property that the HM lender can't lose.

A good broker remains transparent throughout the process, providing regular updates on loan applications, lender responses, and any emerging challenges.

Quote from @James Wise: Quote from @Imdad Rahman: I've come across some online courses, particularly those by individuals like Tom Cruz and Section8Karim, who claim to provide valuable insights and strategies for successful Section 8 investing.

We will cover the story in detail, with regular updates, through to resolution. 

I've regularly attended the auction in Brooklyn, but never bidded on anything.