Rich,Is there a way around the owner occupied clause legally?

Yes, technically/legally you can.

i mean ok.. loss of use but depending on how long of a time frame its not worth the price difference in the policies. most insurance reps unfortunately really dont know their products inside and out.. and neither do alot of market reps and even some underwriters.. there are loop holes in insurance policies just like every other legal document.

In the real world, all kinds of legal shenanigans go on through the courts and that property you thought you bought may be ordered back to the bank.

Is that the best legal entity?

I have subscribed to my local city legal newspaper and I am wondering if it is more effective to campaign to the people who have just had Lis Pendens filed or the records of the Foreclosure sale itself.

A Judge will not interpet that moving out is the same as giving a formal 30 day written notice.Not legal advice just what I have seen in my area.

Guess what, even if you win, you will lose because you're paying the legal bills for two lawsuits.I could go on and on, but you get the idea.Good Luck,Mike

Sometimes I offer ideas that I know are not legal to see if they also know this.

At that level of court, you aren't getting the best qualified judges, and sometimes they follow their own law instead of what is in the law books.Whatever happens, wait patiently for your first legal opportunity to get rid of your parasite tenant.