Tell them it’s an investment property with no owner use and you want a commercial policy with $1M/$2M liability coverage.  

I’ve been interested in buying first property and need to learn and connect with people here, Hopefully I can connect with some of you guys in here to find out more information about how to find off market deals.

As far as HML's go, they will double check your deal to make sure the numbers work (for both of you) as they are not going to lend on a property that they have not vetted. 

For our clients, we typically look at the most recent appraisal, county records, or property tax statements from the year of purchase.

Hi Wiley, I'd be happy to look at the property. 

If you rent it, major improvements get capitalized and depreciated over time, while certain expenses (like maintenance) can be deducted once the property is rented out.

Hi,My rental property's roof is 20+ years old. 

You are not allowed to 1031 a flip or a property built specifically for sale. 

I manage all my properties except one so it would be hard to say I don't have the required hours.I also don't have a day job and RE is all I do.

Did you have your lender look over the property details / numbers?