Here a long term tenant is any tenancy in excess of 5-years and the landlord is required to provide three months notice.

It is likely that you will end up with a policy in the Excess/Surplus Lines (Lloyds of London or similar). 

The amendments permit a lender or secondary market purchaser that discovers, after the loan has closed, that the 3 percent cap was exceeded to retain QM status by refunding the excess amount to the consumer with interest.

is  it better to pay off existing investment mortgages with excess income and then use that equity to fund future down payments on purchases, or conserve cash and pay off investment mortgages as scheduled?

If the property is sold at auction, any excess from the sale would go to you.

I have a lot of excess energy to burn off.Keep it Wealthy,Dhane

The 10K price though seems excessive.

With all due respect to the non-Texan responses, a $3500 earnest money deposit on a $104,000 house is VERY excessive. 1% of the purchase price is the norm.This tells me that the sellers has been burned by someone backing out of the deal.

Generally, an umbrella policy covers any excess damages that haven't already been paid by your underlying policies, but those policies need to pay in the first place, and then the umbrella kicks in.

Most complaints sound like sour grapes, excessive fees or cumbersome processes.