Does anyone know which insurance company still writes landlord policy in Richmond area/Condo (94804)?

I mean, you can, but you won't be in city compliance or insurance compliance if something were to happen to them.

You also need to account for taxes, insurance, HOA dues and management fees. 

Costs have escalated sharply, water up 25%, electric up 30% and natural gas up 33%, and at one property insurance went up 400%.

Add a very diversified economy here with banking, insurance, oil and gas, education, three medical schools, 3 law schools, life sciences, DFW airport, and so much more, it looks like the growth just goes on and on.As far as appreciation goes, that's always tough to predict. 

Income Late fee Gross rent Expenses Advertising Cleaning Gardening/lawn mowing Insurance Interest on loan(s) property tax Legal expenses Pest control Property agent fees/commission Repairs and maintenance Water charges Electric Bill Total expenses Net rental income or (loss)

They are in partnership with Obie for Fix & Flip type insurance (builders risk, etc).  

Like @Jay Hinrichs said, it's just cheap insurance..... my clients that buy my new builds will do sewer scopes as well.. we have not had any bellies but we have had debris and rags etc stuck in them.. better to find them up front than to have a back up in a brand new 750k home LOL..

No one is going to insure you with knob and tube so you need to focus on selling or doing the rewiring.

The accounting system allows you to keep track of costs like mortgage payments and amortization with insurance and taxes as well as part of the asset management.