We are selling 2 buildings this year so we will need to dump quite a bit into these 401ks to prevent our income from hitting the threshold which will trigger our paying back our health insurance premium subsidy of $18,000. 

Your insurance premium (which you can get a quote for free in a few minutes or search the avg. insurance rates in an area), may be higher or lower depending on your location.

They had to have all of their policies re-insured, paying premiums, so I don't know how much you'll save if you think premiums are too much setting up a captive sub.If you have a mortgage, without insurance, the lender would rather not deal with the loan as it's unsalable in the secondary market.

You can pay extra for a home warranty that covers some appliance repairs/replacements, but they're obviously counting on you paying more in premiums than they'll ever pay in benefits.We've had some nasty hail storms the last several years, but roofs are typically more of a 15 year item.

I use AirDNA (premium subscription) as a starting point then double check through enemy method. 

We are very picky with tenants and we can be, because we offer a premium product and will usually find a tenant to match.

❌ Previous Rent: $1,100✅ Post Reno Rent: $2,000 (plus utilities)Original Underwriting: $1,900$900 monthly rent increase$10,800 additional income per year (excluding utilities)We spent $35,000 for a premium level renovation.= 30.8% return on investment (ROI)We target an ROI between 25% - 35%.

That could be where the premium comes from on the rate.

I have a tenant who pays $300 premium then market rent.

The premiums and deductibles are too high.