If you remove this covered peril, you're removing wind damage coverage to the entire building, and not just the roof.Your assessment of the deductible seems accurate, but I can't speak for the replacement cost of a new roof. 

Is there enough cost savings for it to make sense.

The commercial lender is not required to disclose borrowing costs, interest rates and fees upfront and in clear language. 

here's what happens to people who just randomly buy in a "low cost" market:https://www.biggerpockets.com/forums/48/topics/1160450-run-i...https://www.biggerpockets.com/forums/48/topics/1137397-balti...https://www.biggerpockets.com/forums/963/topics/1195280-expe...

We love putting cash in our pocket and paying little or no tax.On the other hand, you can create situations in your business where you generate positive net income that does not result in cashflow.  

:mrgreen: I had no idea they do carpet.

We purchased them early on and kept picking up rehabs to keep as rentals so there was no need to develop it yet.  

Builders are offering lots of incentives right now in the form of permanent rate buy downs and closing cost incentives.

Even if you were able to find 10% down, the lender would still require you to have another 10% - 15% on top of the DP when you add in closing costs and reserves. 

None of us investors what to lose an investment property either and have no problem changing strategies to make sure the payments are made.