@Leeroy AyalaThere are way to many companies to list, but the gist is, you are looking for a dwelling fire policy (dp1, dp2, and dp3) DP3 is the most robust of the 3.  

Which means hey reset you to zero.

If they refuse to entertain this citing policy XYZ and you are forced to refinance, do not reward bad behavior: refinance with someone else. 

In Cali, C to A is not illegal to do, but it is not insurable and to close a deal here, you need to be able to insure since it is not optional to have an Owners Policy issued. 

However those PMs usually but a clause in the contract about early termination policy, which will cost you a couple bucks.Would consult with and attorney to get the best direction how to discontinue the relationship after acquisition.

So your calculated effective overtime income if you apply for a mortgage with this jumbo investor in November will be approximately twice as high as it would be if you applied in April or May even though in reality you make exactly as much this year as you have for the past two years.And the net effect to a borrower of this, is that you might end up with a higher rate (if we assume that this jumbo investor happened to have the most competitive rates the day you went into contract) because some person making up a completely idiotic worksheet doesn't know how to math and some investor has a firm "no exceptions" policy.

Maybe if it's being re-purposed for something else... but it depends on the underwriting policy.

Prop #1: comps are at 225k, we can get it for 196k, cash buy, Rents at 1200/month, zero fix ups needed.

I have to pay almost $300 a quarter for my office and my individual fees, as opposed to $60 a quarter if I were with another broker.I've also heard that KW has a policy against its agents buying/selling their own property.

I need to get a property insurance policy for the HOA to cover these items.