Knowing where you're at in the journey allows you to switch products at different stages (IE at 4 properties, or when you get to 5, or 10, or 15+ and 20+ because pricing/terms change as you progress).I think the local banks and credit unions service another gap as their rates typically tend to be better but there are cons as well such as balloon loan features that require a refi/exit/sale at the end of 5-15 years.Depending on your strategy and outlook weaving different products can help solve your gaps in your strategy going forward.For instance, for me I didnt want a fixed term cash out commercial note so I just did a blanket commercial line across multiple APN# parcels because, we never know when a deal will come up and sometimes having interest charges with no deal doesnt make sense as the funds burn a hole in the pocket so to speak.As soon as I find a property suitable for a project I may use the lines to fund the project with an eventual commercial refinance out when it hits completion in order to pay back down the lines (reload for the next project).

The insurance company says they are not allowed to send me anything and that I need to go through the lender. 

I'd be conservative with your numbers regarding the number of bedrooms and occupants allowed. 

If the study had not been performed, you’d deduct $72,727 each year based on the $2.0M value ($2M / 27.5 years).

Refinancing with conventional or DSCR is the most common way, which would allow you to do a cash out of 75% LTV.

And In the words of Elon Musk "Free speech lies at the core of democratic values, allowing individuals toexpress their opinions and engage in open discussions."

If you had a good deal you're allowing every other wholesaler to now take a look. 

Some mortgage servicing companies will allow a "one time recast" meaning the borrower will pay down a large sum and then re-amortize the loan based on the new mortgage amount. 

some states require that you pay the loan in full prior to the auction if you want to keep the house. https://www.nolo.com/legal-encyclopedia/summary-alabamas-for...Reinstating the Loan"Even though Alabamalaw doesn't provide a statutory right to reinstate the loan before the sale, many mortgages, like the uniform Fannie Mae/Freddie Mac mortgage, allow the borrower to complete a reinstatement.Check your loan documents to determine if you get a reinstatement right and, if so, the deadline to complete one.

Any W-2 employee will tell you that they can't deduct mileage.