What are the best options i have to counter this?

Not sure that they'd even truly enforce this if it was the case. 

I've heard these horror stories before where at the closing table you wonder if this will close or not. 

Right now my head is swimming with all this new content, but I'm optimistic that things will eventually slow down.

What are the pros and cons to this approach?

In the 2024 insurance market, CA is hard to place, so even though you could force them onto a single policy, it may be more economical to keep them separate.I'll send you a note with the carriers who can do this for you.

Just a thought but I think this could be valuable to the right people.

This project is south of Sun City Festival.

This larger downpayment would require me to liquidate stocks which I am not too keen of doing at the moment.As an active listener of the BiggerPockets podcast, I'm well aware that midwest markets like Indianapolis, Cleveland, etc. are the "top" markets these days in terms of current growth + affordability.

I spend a lot of time thinking about this one.