They can't sell their house - they'll take a loss, they need money quick to cover moving costs and an apartment, and they can't refinance.

I will be using hard money for this deal and a partner to cover the carrying costs, until sold.

I will be using hard money for this deal and a partner to cover the carrying costs, until sold.

The liability exposure is going to be different as a landlord and as an owner/occupant, so as @George Skidis said, you're going to need to get a commercial policy to write the coverage as a landlord, and then get a renter's policy to cover your own property and liability. 

I will be using hard money for this deal and a partner to cover the carrying costs, until sold.

I’ve tried to do some of this myself at the court house but found it hard to use their records and I’m not confident that I was able to cover it well.

He said he would be very surprised if the HOA didn’t cover all repair costs. 

So I still have some compensation to cover my costs and time, but Im also being fair to who Im partnered with.

It is going to be difficult to cover all my costs with the expected rental income.

While I love insurance, it only covers one type of liability: accidents.