@Neil Haven a four unit property will qualify for many commercial programs, which may be the way to go.With a commercial policy, you may have more flexibility with choosing the building limit and can pick and choose which coverage's you want.I would suggest calling a local Independent agent. 

As I'm trying to pick up a multi-unit I wanted to evolve a bit on my deals and try to get under an LLC but I'll definitely discuss with a lawyer to see what other options are out there. 

Generate way more leads than you need, then cherry pick the easy ones.

I just think it would be better served to be posted on an insurance blog/forum or something. if you dont want to sign an AOB....then dont sign it...seems simple to me and doesn't warrant a post blasting the roofing industry.

It's simple math.

My question: If I purchase this duplex all cash, will I be able to pick up a mortgage with delayed financing? 

As a realtor, I go on probably 30 inspections per year for other people's properties, so I have picked up a lot of building knowledge that way too. 

Whoever created your Series LLC should have advised on this, its a simple process, don't necessarily need a lawyer, but YMMV.4.

So it’s a waste if you don’t have the tenants picked out and moved in the 30 days. 

In some cases if it’s significantly less in the same building it could also mean that the building is not all 100% fee simple and that the very low priced ones are sold leasehold.