**************************************************************************Insurance premiums of American homeowners rose last year, with rates increasing by more than 20 percent in six states, according to a recent report from S&P Global.In 2024, insurers raised rates by 10.4 percent as of Dec. 27, which followed a 12.7 percent hike in the previous year, according to the Jan. 21 report from the company.In total, 33 states saw premiums climb by double digits last year, with the largest spike seen in Nebraska at 22.7 percent.

Hello Doug, I am not a real estate attorney nor is this legal advice.Unless someone's state has specific laws banning contract assignments you should be fine doing the following.  

The interest being deductible is based on the use.

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.

I know many people who own real estate that are not citizens of the US.

No need to invest out of state, when you are in one of the best places in the world to invest in real estate. 

The downside far outweighs the upside.

Don't miss the forest for the trees here.

The lower rate or longer term can also make the payment more affordable. 

And again, you'll get advice from posters that could not care less whether you follow it to the "T".