I think most of us in plain sight don’t see a difference between the Federal agencies and government.

What's holding me back is my team in Austin is awesome (my team being: lender, realtor, property manager), and I find the prospect of finding a new San Antonio-based team daunting because...The Austin team was found/built while I was living in Austin......but since then, I've moved overseas.The new agency rules re: ratio of investor loans etc.I think I generally have two ways I could sequence this...- Option A) Start the process of finding/building a relationship with a lender, realtor, property manager... while being up-front with them that I first need to sell my Austin properties first...Variation A.a: Start 1031 exchanging them as their leases end one by one...Variation A.b: Forgo the exchange and pay taxes now...Variation A.c: Try to offload all of them in one shot as a portfolio...- Option B) Start selling the Austin properties first and figure it out as you go.

I work in the non-recourse and agency financing and it's going to be extremely difficult to find anyone that will do 80% LTV at this time. 

Believe it or not, this is still one of the most horrific and unscrupulous businesses in existence and sh*t like this happens constantly....the regulatory agencies that oversee agents are full-time slammed with complaints and hearings about stuff like this.That said, there may be more to the story...did she simply ask you to pay her more?

BOLI-  My perception is not based on marketing materials put out by the insurance agency.

@Ella Lan it may be time for a new agent (assuming you have one) if you need to turn to the community to address these questions...this is stuff we deal with everyday...I'm happy to help, but if you're in an agency relationship it creates complication...I'd be glad to jump on a call ...and talk through this...you definitely need a well informed plan together asap

Lots of agency's post in the market place.

It has been determined by the governmental agencies that requiring a landlord to change insurance is NOT reasonable.So, after I tell them the accommodations I will make, and the expectations they either counter--I'll pick up the waste weekly and try to argue, or say they will leave the dog with their XXX. 

You most likely won't qualify for conventional or any agency loans, but there are non-qm loans you may qualify for. 

Then the collection agency the city works with files suit against YOU the owner and gets a default judgment against you the owner and then files it against the property - it is then treated like unpaid taxes and the property can't change hands unless it is paid.Now sometimes they sit on those judgments and you don't know anything about them until you buy a house close and suddenly the city sends you notice that you owe $1000s for the water bill of a tenant of the previous owner and you are stuck.