We are considered a hard money lender or alternate lender and take on more risk such as credit challenges or unique loan circumstances.

That can range from about $7,900 to over $20,000 depending on the circumstances.  

What qualifies as intent and circumstances to fulfill that intent seems to me to be up for interpretation.

Yes there is a moratorium on evictions but only in specific circumstances (i.e., loss of income directly due to COVID with documentation to confirm this). 

The application fee is non-refundable under any circumstances."

And there are other people who don't make those sacrifices but would rather seek out entertainment in order to have fun or distract themselves from their circumstances in life.  

It’s a pretty big change in circumstances when someone plans on two months somewhere and something like that happens.  

Maybe in certain convoluted circumstances, like being a partner in an LLC which then rents the property to one of the partners, or something like that.

There are no unusual circumstances like high flood risk or anything, so we want to confirm with others that this is reasonable to expect.What do you think we could expect for smaller multifamily insurance rates?

I ended up renting out this property only by circumstance, and have not yet decided if I will eventually sell it, or move back in, or continue renting it out.