I wanted to get some thoughts from those folks who know the insurance industry on a few points:- What if anything does a standard property policy cover (less the EQ endorsement) in the event a building sustains damage from an EQ event.- Are there any other endorsements / options that can be added to a standard policy which act as a substitution or supplemental for an EQ policy?

Not only those two particular PLRs themselves are debatable as far as their endorsement of this strategy, no PLR can be used as a legal precedent.

The saddest part are the endorsements some of the students provide which then validates these services to the next waive of clients.

Insurance proceeds are typically provided in a check that must be endorsed by both the policy holder and the mortgage holder. 

There's a ton of members where the sole contribution to these forums are endorsements of RTR.

Thank you for saving me from some unnecessary headaches.On that note, can anyone recommend/endorse a reputable educator with experience in wholesaling?

I don't know anything about their policyholder experience.However, every homeowners policy I've ever seen, even with a "home sharing" endorsement or rider, requires some owner use of the property. 

I definitely never endorsed him or gave a testimonial.

That points to how razor thin the margins are when dealing with these properties and how the smallest of issues can turn these properties upside down for the investor buyer but very few know this as they are posting ringing endorsements.

I think that Chat GPT hilariously acknowledges, however, that if this person then goes on to run for governor of Colorado, then, despite their likely lack of time and attention to the money I put into the investment, that they are likely to put up phenomenal returns as a nice bonus of either being in office, or being a threat of attracting any meaningful percentage of the vote in that state before dropping out and endorsing an eventual winner.