I would reach out to a conventional lender/broker to see, I just do DSCR and hard money so my requirements are very different. 

I am an insurance broker in Colorado and can confirm that most insurance companies are increasing to minimum 8% deductibles on most condos.   

I always got the impression that he had a bad criminal record or never got his high school diploma/ GED equivalent or some other issue was preventing him from getting a license, because he was basically just brokering without a license but calling it consulting (I don't know any of that to be true for the record, that was just the impression that I got from his comments and might explain why he used a fake name?). 

Otherwise, you should work with a mortgage broker who can shop hundreds of lenders for you to help pick the best lending partner for this transaction! 

What's being pitched as wholesaling is simply illegal real estate brokering.

Short term, assuming the real estate lobby doesn't sue this to keep delaying/appealing, once it goes into effect there will be no more broker fees paid by tenant *unless they hire the broker*Some long term effects I can predict already: - Landlords now having to absorb broker fees will bake this into the rent (e.g. how "no fee" units typically are priced a little higher than other units) - Real estate board will require another document (or checkbox) for tenants to sign stating that they're hiring the listing broker and responsible for compensating them for their fee *if* they apply and are approved- Regular New Yorkers will have an even harder time to find an apartment because you cannot legislate/regulate away a housing crises... 

Be sure to get a broker that specializes in these policies, some people are brokers but still do not have access to these types of insurance policies. 

I fixed the roof myself out of my own pocket.I called the insurance broker  and he straight asked me if there was a damage after the hurricaine, so I said a tree fell but I fixed it myself out of my own pocket.

Know what’s normal so you can spot what’s NOT.Talk to Brokers/Connections Weekly.

I recommend a broker that works with over 220+ lenders so they have more options than just your one bank.