I think we already hashed this out the other night so I'll not go into more detail here.

Rather than spending lots of time shopping policies I simply send him the details of the deal and he gets me the coverage I need.I'm not sure who to recommend in the Waterville area.

Both parties are very happy to work together and have worked through many minor details already.

@Wayne Brooks I did not understand the technical details of what he says the problem is, so I won't try to say things that are probably wrong :) He said there's a hole in the line, but that he still isn't able to see everything and it could still be much worse.I completely understand that this can happen.

Sorry if I didn't supply enough details as I'm still trying to educate myself on this. 

He's absolutely right, you don't need to do the extra work of writing out a contract.

I try to fix HVAC problems in 24 - 48 hours so they can have a comfortable home at minimal extra cost to me.

I was considering paying the extra money to have a full appraisal done bc I know it would be worth the expense.

Do you only accept tenants if you “think” they can pay their bills and just as an extra safety precaution you get a co-signer?

It was a simple letter with no additional details aside from the new loan number and address of the new bank.