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.   

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! 

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?). 

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... 

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

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.