Quote from @Josh Jung: surprised you haven't heard of RBP. it's like a mix of services you can offer to your tenants like renters insurance, virtual concierge, etc So the property manager/landlord pays for their renters insurance, and filters?  

@Jung Lee, Welcome to the community!

.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

Rip all the ceilings out, install furring strips and drywall.

Quote from @Gene Jung: Hi,Assume there is no cost for mortgage requesting for my lender.

.: Before the fur starts flying, can I at least make one simple statement about this situation?

They are durable, but catch hair and dog fur more than the Bassets.I would avoid faux leather.

I ask that pets stay off all furniture, are crated when/if left alone, and are cleaned up after inside (fur, if applicable) and outside (pet waste).

The area off Broadway now known as "THE war zone of all war zones" was previously known as "THE fur district" and the area was all top shelf, opulent mansions. 

But fur sure, hard money lending is a thing.