Question on DSCR Ratio

[Shelby Elder]

I'm a newer investor and just did my first refi on a rental property. The numbers were tight to make it fit the DSCR ratio and even though I had an insurance guy picked out, my lender said it needed to be a little bit lower so he set me up with a different insurance policy in order to get the loan to close. Now that I have the loan, am I able to switch over to another insurance policy even if it puts the ratio over slightly? Basically my question is does a lender actively monitor things like taxes and insurance after the loan has closed to make sure it still fits their standards?