I am looking for help with....What type of policy is my best option and any suggestions on insurance companies that work with fixer uppers that need work before being 4 point approved?

I have a no drinking and no smoking policy on my job site, you will be off with a warning the first time, but termination on second if within a year.

Today, we’ve got a few deals in the pipeline, a 25 unit owner-financing deal, a 50 unit portfolio, and a 100 unit complex.Year 3: I’m aiming for larger, more profitable deals and growing into a scalable business.My advice:I know the pain of getting started since I was just there not long ago.

Honestly, this should be your policy in any state, not just NY.

Absolute worst case if you have no other options do you have a whole life policy you can loan from or a 401k loan etc, not ideal but an option. 

Lastly, that I should get an umbrella policy for asset protection. 

Roommates are not protected under Federal policy, but may be under local or state laws.

I think a non eviction in winter policy already existed in Seattle. https://www.seattletimes.com/s...

There are insurance policies that will cover those assessments in some cases but I don't know specifics.

@Ryan Stockman What is your policy regarding co-signors?