I know @Jon Smith personally. 

Personally, I have been working 3rd shift at a group home for years.

Personally we can start before the 6 month date but I have heard multiple customers tell me other lenders have said they cannot start the application until the 6 month date. 

I have a clause that authorizes me to contact that person in case of "death, incapacitation, or incarceration" and work with that individual to coordinate removal of belongings, payment of rent, or even a refund of deposit.When someone dies alone, there is always a police investigation to ensure no foul play.

The property cannot be valued in the traditional way, which is why I'm seeking a private lender who will value the property in a commercial-style method via the cap rate.Source of down payment funds: Implied equity (refi)Income Source: W2 for both my wife and IGross annual income (between the 2 of us): ~$300kMonthly debt obligations appearing on credit report, plus (if applicable) personal rent and alimony/child support/etc: Student loans, rent, and what exists for this tiny house.FICO: 725Credit issues: noneThanks for reading this far!

I have never personally worked with him, but if you google Alex Rep with owlstays.com, he manages STRs.

Purchase price: $68,000 Cash invested: $5,000 Sale price: $99,000 4 Unit quad in Medina NYRenters were tough and management company's locations are too far for a regular check up.Had a renter pass away and then DCS came in and the house was condemned due to farm animals in the upstairs unit where the person passed.We were too far to keep tabs on this investment so we sold the home.

An umbrella is usually a good idea but it's dependent on your personal situation. 

I know in the sense that you’re referring to this being your personal house with your personal belongings, but even potential renters are disrespectful of other peoples houses.If it’s muddy outside, don’t be shocked if they don’t walk around the outside first before going on the inside without taking off their shoes at the door. 

It may be best for person A but not for person B.