Mortgage all in was $1300Mortgage for Apr 2024-Apr 2025 w/ additional escrow coverage = $2150.  

Most fail to appreciate insurance coverage typically only covers negligence and any act that exceeds negligence is treated as an exclusion.

These expenses would be reported on Schedule E (Supplemental Income and Loss) of your tax return.Since you incurred these expenses before you started renting out your property, you can typically depreciate the cost of the furnishings and any improvements made to the property over their useful life.

Also make sure you work with your insurance advisor to ensure you have the right coverage.

For example, NJ has some 12 MLS' with overlapping coverage of the State. 

A Debt Service Coverage Ratio (DSCR) loan for investment properties is often considered better than a traditional mortgage for several reasons such as: it focuses on the property's income rather than your personal income.

In other words, you may be able to achieve 100% (dollar-for-dollar) coverage from an investment in the right kind of property. 

It is going to be a DSCR loan (debt service coverage ratio).

CONDO ASSOCIATION HAZARD/FLOOD INSURANCE DECLARATIONS PAGES: If this is a Condo, associations usually carry hazard/flood coverage as part of their association dues.

Unless the contractor has professional liability coverage, not many avenues for recovery and even then its a long and costly process assuming the carrier picks up coverage.