They sent me the Excel files over and I was made to believe it was optional.

There are some really great podcasts that talk about different things, and there are actually quite a few vendors that produce content (podcasts, blogs, webinars, etc) that can educate you a ton.

and do you know if they came back to the states.. that will be a HUGE win for anyone who is litigating against them .. at least right up until they file BK.

A good way to avoid this in this future is to use a vendor worksheet/package that request the pertinent contact information along with a document request for the filed out W-9, copy of business license, Worker comp and liability insurance certificates.

Be sure you have registered ALL your Corporations and LLCs by December 31, 2024Failure to file is a $500/day/entity fine!

Ive done A/B testing to see if going through my mortgage broker, or going directly to the bank would produce a better result.

Your company is just slow to file their updates, which in this case is in your favor.

Separate LLC per Property: Maximizes liability protection but adds complexity and costs with individual tax filings.3.

It was fully renovated when I bought it.I added value by adding income-producing rooms.What was the outcome?

There are likely at least subtle differences between those proposals.In terms of good and bad experiences, you won't find an insurance company that doesn't produce happy and unhappy customers.