Using the 50% rule (taxes, insurance, Capex, maintenance, vacancies, property-management), that should give us ~19K/month in pre-tax profits that achieves our 10k/month financial goal after-tax and adjusting for inflation.Our assumption is that building new-construction would reduce capex & maintenance the first few years. 

I would just talk to your adjuster… you aren’t going to ‘mess up your claim’ or piss anyone off by asking them about your specific question.  

The seller agreed to lower the purchase price and adjusting closing costs to avoid any wash.  

The added rate adjustments of the term and IO period usually negate the benefits (or many of them). 

When the adjuster finally shows up, he/she will be able to give an estimate to fix the damage and what the insurance will pay - minus the deductible.  

In a 3/2 you are going to want a king in the master bedroom.You can make some adjustments with the other 2.

Plus they adjust based on sales and not for a little while i noticed.

Your depreciable basis at the date of conversion is the lesser of (1) Adjusted basis (cost + improvements) or (2) Fair market value.

Prices of listings will adjust.

I am here in southern California and homes are still selling in less than 2 weeks.The agents that price the homes correctly will get multiple offers and sell in less than 2 weeks.The agents that price the home extremely low for marketing purposes will get 20 offers on a home.I tend to price the home slightly higher than the market and see if any buyers will bite, if not we typically adjust the price down over a course of 30-60-90 days down to the price where we start to get showings and offers.