Out here in AZ you're going to need to do a STR or MTR if you want to break even on a property with only ~20% down, but if you pick the right location appreciation should beat the national average. 

What I’ve noticed is that premiums are all over the place, even for similar properties, depending on the carrier and how the building is underwritten.One thing that helped us was shopping multiple independent brokers upfront.

Good advice above^^^ And why even bother with a background check, Lol, you already know he's a convicted Felon....

True-Up & Billing Cycle ChangeSince you were underbilled before, your current bills may reflect actual usage rather than an artificially low estimate.The switch from bi-monthly to monthly billing means your payments are more frequent, making the cost feel higher even if the overall rate hasn’t changed.2.

Quick question on those who have done seller financing:- Buying a 0.3 acre downtown fort lauderdale multi family, negotiated an around 1M price w lot of development rights, double lot. seller got it way back early 90s for pennies- got good credit 800+, w2 job etc put 40% down and mortgage bank offered 6.62% 30yr fixed (CF negative as this would make current rent roll not too much compared to the PITI)- property is in ok condition, needs 20-30k repairs which seller OKd, and all 3 tenants are month to month, pay bit under market but also ok- seller would like to do seller financing, interest only at 5.75%, 30yr amortization at 7yr balloon (CF would be positive) - id be paying some principal as well, just to grow some equity- buying this deal for the future development of the area (las olas, kushner broward crossing) so not really worried even if we overpay for it now, but never done creative finance as i always relied on a strong W2 job to get good loans but obv im used to 3% 30yr rates from covid times not this 6+ environment..Goal is to hold the property 3-5yrs, and then actually develop it or sell half the land / refinance, pull out HELOC if it appreciates.Questions:1) What does he know that i dont? 

Fortunately, we didn't lose money on this property but just broke even.

Though it may cash flow well based on their current debt service, when you compare the income it produces to the equity they have is it actually even a good investment for them from an ROI perspective or would they be better off liquidating and redeploying?

And this might indeed require some time to pass before doing that.You could still create a single member LLC with either you or your wife as member. 

I’ve also heard about AI voice tools, some even mimic your personality which I thought is really cool.

I need a new policy for my single family rental, can any one recommend a insurance company?