Not really sure what your issue is. In a nutshell, if the COA is carrying a proper RCBAP insuring to the RCV or max allowed, you shouldn't need more unless your policy is for the borrower to additionally keep a 'walls in' individual policy.
These are two separate issues though.
Also, you won't have a mortgage clause on an RCBAP...the COA is the beneficiary on a Condo...you may be listed as an 'interested party' or similar.
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour