Hi @Will Kenner - thank you for your reply and insights!  

A PMC has only two choices for GL coverage:1) Require the owner to have the GL coverage and be added as, "Additionally Insured".

In addition, filing an extension can be beneficial even if you plan to file before April 15th.

Any insight you all have would be most appreciated!

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This means taking the steps in your daily business such as executing contracts and ensuring everyone who performs work is not only insured but lists you as additional insured. 

Additionally how much of an interest rate premium are they charging to originate loans at that value. 

Is that when you add an addition on top of an existing property? 

There is no such a thing they will just add it to the bill and you will pay interests on it.

The loan is based on the income of the property for qualifying purposes (in addition to credit score) versus your personal income.