My tenant is in the cannabis industry so I can't refi with federally insured banks or credit unions. 

Things are just too tight right now, and then when they're not tight, no one probably wants to spend them money for a possible NOI increase due to insurance decrease.Almost no one did solar with the same model ideas.Is your syndicator guru on board? 

Technical Answer: You should always get a copy of their license, liability insurance, and worker's comp insurance.

I assume if everybody’s insurance in the area increases significantly everybody will increase their rent, same as if property taxes increased.

We manage and own a large number of rental properties and recently discovered significant gaps in our General Liability coverage, specifically related to:• Mold / moisture exclusions• Fungi / bacteria exclusions• Sewer or septic backups• Long-term water intrusion claimsOur current GL policy excludes most of the above, which is concerning given tenant litigation trends.Questions for owners/operators with large portfolios:• How are you insuring against mold/moisture-related bodily injury claims?

You must have the correct STR insurance. 

Insurance has risen the fastest. 

Do lenders/banks accept term life insurance collateral assignments for commercial real estate?

I’m operating out of DFW (ground zero for the insurance crisis), and we are seeing a disturbing trend with Class B/C operators.Because insurance premiums have doubled, operators are raising deductibles to $25k or $50k just to make the DSCR work for the loan.   

Insurance and taxes are quietly killing more deals than interest rates right now.