Escrows assumed at settlement are accounted for and credited to the buyer, from then on, there is no escrow due the original seller, I know there is guru crap to the contrary, escrows are checked annually and fed law requires escrows to be returned if they become excessive to % allowed, that overage goes to the new buyer.

I'm currently at about 55% LTV, so I am very comfortable with that (during the last downturn, we used all excess cash-flow to pay off all secondary financing helping to achieve a low ltv and now greater cash flow).

Just got a hold of a Farmers underwriter myself; he told me that the tenant’s renter policy is the one to covers dog bite and if I got dragged into the lawsuit by some health appetite attorney and the court orders me to pay, then my Farmers landlord policy’s liability would cover that; it’s then no longer if an issue of dog bites or not, when I asked him even if it was resulted to the nature of dog bites which he couldn’t say yes or no directly but stuck to what he just told me and advised me to consult with an attorney for this specific area concerning (beside any other aspects that I might have missed) which I will since I’m already renting to the tenants who have the Chows.I realized not to rent to tenant who has dangerous breed is ths ultimate solution, but any other solutions for where I’m at?

Welcome to commercial REI (and excessive government actions)...you summed it up well! 

My risk appetite steers me away from storm impacted houses, especially on the rebound of Florida's HOI issues.

A couple options I would try:1. find out who is the current insurer and appoach them to write the new coverage.2. contact the excess/surplus lines for a policy.  

Hidden or Excessive Charges: Be cautious of any hidden charges or undisclosed fees that may be added to the loan.

It has to do with the bank's risk appetite with respect to Anti-Money Laundering regulations is all.

@Bhaskar Pusuluri S Corp shareholders must draw a reasonable salary (you must put yourself wages) and distributions in excess of wages are exempt from self-employment tax.However, "distributions" doesn't necessarily mean cash movement.

I appreciate your tips to enjoy yourself without wasting excess money for no benefit.