Seller Financed Wrap Around Question

[Adam V.]

I'm currently negotiating a seller financed wrap around mortgage for 12 months on a property I intend to rent out. Normally I would get a landlord's insurance policy on the property but in this case I'm concerned the DOS will be called when the seller's lender sees a change in policy. The seller does have a typical homeowners policy on the property.

Couple of questions:

What do most folks who do Sub 2 and wrap around deals typically do to avoid this? Would my umbrella policy suffice for 12 months? Can I still get a Landlord policy in my own name without notifying the seller's lender? Is 12 months too short to worry about DOS?