I currently still have HOI for a property that has been a rental for a few months.

Also, what are your thoughts on going with a $2500 HOI deductible vs a $1,000 deductible.

@David Ho  I am very grateful!  

Are you talking about rehabbing while the HO is still in the house?

So the math comes out as this:For a 140k loan at 3.5% average629 P&I131 taxes67 HOI-----------827 Total a monthThat leavs 223 a month for Property management (105 a month) maintnence, profit, vacancy and what not.That makes is kind of tight.

Under contract on a house hack and about to start calling to get quotes on hoi and am wondering what you might suggest as some minimum criteria for it for insurance.

(so about 10% ROI on downpayment, counting property tax and hoi, not counting repairs or anything like that.)I am a totally new to being a landlord so Im hoping to get a property management company, that could help me.Now to my questions:- What do you think are the risks to investing long distance with a management company?

Have you already received a quote for HOI? 

@Kwun Ho I forgot to mention that the boyfriend did return after a few days.

That does seem kind of high, but I guess that depends on whether that includes escrows for taxes and HOI.