The easiest way is contact seller/listing agent that you are interested and your highest is XXXX.

Brian, The easiest thing to do is get a single commercial policy to cover all of the locations. 

If one of your investors gives you great business and gifts that are high above the other investors you work with, you should send it to him first, that's why he is great to you. 

@Chase GrayYou should consult both an attorney and a tax CPA/EA.Why did you put "gifted" in quotes? 

@Chuck DangarIf you are creating an LLC(or any entity), you want to make sure that everything is set up properly as to get the benefit from the LLC that you are looking to get.With that said - you have to make sure the books and records are done accurately.There are a couple of ways to go about transferring money to and from an LLC.The easiest way is to label the amount to and from the LLC as a contribution/distribution.

You gave this women this garland on YOUR Christmas and it's a memorable, heartfelt gift that doesn't attempt to replace a priceless antique but sparks a new understanding and warm friendship between landlord and tenant.

Obviously, this wouldn't be considered a gift, since he is expecting to be repaid, so how do we properly account for the exchange of monies?

Gift letter and proof of funds from gifter(s)?

So you entered into contract, had second thoughts, and are now thinking the seller's [apparent but still mysterious] failure to close is a gift?

The way around this is if you get a big gift from a relative or anyone wait like more than 90 days or more before you try to get a loan.