Basically I'm working on an apartment aqusision, the very beginning stages, and trying to figure out what would be the highest loan to income ratio I should be willing to go. it's an 8 unit apartment building with an 8% cap rate. 100% rented for 10+ years.

. - Mortgage lenders are not expected to source where they got their money from, so your partner's money can come from basically anywhere.

I could charge but 99% of landlords include it so it's basically expected.

Basically this allows the buyer to walk, upon giving notice during the inspection/study period (this could be 15, 30, 60 days or more depending on the property), and obtain a full refund of the EMD.

Even if you have good electricians, plumbers, and/or inspectors take a look at the property, there are likely going to be issues they cannot discover without basically gutting the property.

Currently, I start with a title search to get a basic list, but the owner name is not provided and the square footage is often incorrect. 

Basically like a stock!!!!

It is liveable, and we have a friend who will be living in it to basically babysit it, so local criminals don't target it.

What are some general questions to ask agents when shopping for insurance? Opinions on going with a local firm or larger, national firms? Thanks

You basically have a 450k mortgage now.