Victor,Many Mortgage companies have a clause that lets them place the coverage (called Forced Place in the industry) if you do not show proof of coverage. 

My preference is to actually have to separated as cost efficiently as possible, but also wouldnt mind the ADU and main house shared meters as this would save me costs on my initial construction. 

I kept the property management company that was in place.

That's ~12% Cash on Cash return which seems pretty good/decent.My concerns are by doing this, it would reduce my rent price on the main house (most likely since they'd be sharing with other tenants on the property) and also I'm unclear whether adding an ADU would negatively affect the value of the property.Option 2Consider converting the property into a short/medium-term rental, specifically to travel nurses.

I can share what i have learned from my 2 rentals as well.

Shellpoint is a LOT bigger than my bank so, I'm guessing they probably have a decent process in place as well? 

Every time I go back to ME and NH I think about investing there so you are in the right place.

I would greatly appreciate any insights, advice, or experiences you can share that may lead to a viable solution.Thank you for your help!

I'm just curious if you have had a TC share information about you with other clients.

We usually keep it to praising how well they’ve taken care of the place and saying how we’d be honored to carry on the tradition.