Yes absolutely, find an insurance broker (independent agent) in CA to shop the market and make them aware of Farmers' kick back on your claims to make sure they find an option expecting that sort of loss. 

@Steven Jones I do t have advice you are looking for, but if you are doing Standard Fannie/Freddie financing another lender can use the appraisals with documentation it was ordered in compliance with AIR (appraisal independence requirements) proof paid for, color copy or appraisal and the Appraisal in a cal format.

Independent mom and pop single business operator The lower you go in credit the more down typically and shorter the amortization period along with borrower having to strongly qualify to carry the property in case it goes dark.

Chris,I would recommend contacting an Independent agent (one that represents multiple carriers) that writes commercial Insurance.  

Others are affiliates, who might work for several lenders as independent commissioned salespeople with no real responsibility to anyone.

I recently just got my first investment property in the Independence, MO.

Once the structure gets its Cert of Occupancy (CO) you can switch it to a Homeowners (if you are living there) or a Dwelling Fire policy if it is not owner occupiedLook for an Independent agent that handles both Commercial Insurance (especially construction/contracting) and Personal Insurance.

I recommend connecting with 1 or 2 independent agents and have them start working on it. 

I’m trying to reach financial independence as quickly as I can and  hope to get there in my 30s. 

Hello,I am just starting out in Charleston SC, I work as a bartender and project manager for a restaurant in downtown and am looking for a the best way to become financially independent as soon as possible.