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BIG Shoutout to @Jason Bott, Jason with Robertson Ryan & Associates, Jason responded quickly to my post here for insuring a commercial property (multi family) in ATL GA, and with his dedicated team, Including lovely Deanna and Nicole (Nikki) who was truly AMAZING with her help while something went wrong with a double payment, She stayed on the line with me till she was able to fix it with accounting, to add a bonus - the policy premium was fair and competitive with two others, and like I said... the service...beyond words. 

The FHA loan used to finance the property had an upfront mortgage insurance premium of 1.75% of the loan amount ($5,404 in my case).

Hey Kevin,Yes, it is common for this to be an issue if the insurance premium is escrowed with the lender. 

Sometimes you can hire a company that can get it through the Government red tape faster but they do come at a premium usually they only charge you if successful and usually charge what you would have paid your premium for 2 years to get you the LOMA for t you who have o buy flood insurance it could be about $5000 to get one of these companies assistance with a LOMA.

They go for a premium off market.

Cash invested: $10,000 Lakewood is a hot market where properties not only appreciate but rentals command a premium rate

At that time you could buy a lot of death benefit for very low premium if you counted on the high interest rates to make up for a lower premium.

Hi Ben,A brewery huh...You probably have something else in mind. but when you say Fort Collins BreweryI envision a Brewery/public bar with the bar having 12 foot high ceiling to floor windows on one side (on the side of a mountain) with a long expansive unobstructed view of the lower lands below.With a 40 foot deep deck on piles with chairs and tables outside in front of the large windows.And inside chairs and tables plus 6 premium raised up horseshoe booths that go for $20 extra just to sit there and enjoy the view--and buy alcohol and food.The bar serves high quality skin on hot dogs, fries cooked in beef tallow, pizza with  ton of cheese on it, high quality fried cheese sticks, and hot wings.The interior color scheme is dark brown wood and burgundy Naugahyde with nail trim.With some salt blocks put out to attract Elk to the area.There is a large steel building on the property with it's own parking lot for rental for wedding receptions, which includes a bar (due to the liquor licence)It also has a nice view and flowery repose area for wedding pics with the beautiful view as a background.Customer base not aimed at the College level (animal House crowd), but a nice place, a destination, that if someone is going to visit Ft.Collins--this is "THE" place to visit (and spend money at).But with Covid...public gathering places...hmmmm .... hmmmmm(???)

For years I've felt I have been wasting far too much on premiums.