Because they know you're unlikely to use it, and when you do they either won't cover your claim or they will charge you some kind of service fee that makes them whole.There are many other reasons why home warranties are bad.

Feel free to shoot me a dm if you want to discuss in more detail.

Your debt will affect your ability to borrow.If the townhome is part of a HOA, condo fees can take up a lot of money and they may have restrictions on rentals. 

They give 90% LTV with no upfront fees and they pay appraisal.

Hi Mark, apprecitiate you sharing the question for the broader discussion.

They will have guides and rules...and of course, fees...for you but you can reach out to each one to find out more information. 

Take clear pictures and write down everything.You can charge a fair storage fee, but don't overdo it.

Particularly, some partners and I were discussing some of the newer tools out there that incorporate AI as well as more advanced processes and what may help us.

These LOCs will be unsecured and if it means anything, we have no business/investment history, as we're just starting; perhaps lower fee LOCs can be attained from a proven business with a history, or perhaps these fees are high independent of that?

More than happy to discuss differences, shoot a PM