I have found it is better to use a Broker if possible so they can shop companies, and shop every year vs using a captive agent that can typically only sell their company policies.While it is good to shop, not always good to go with the lowest possible provider on insurance. 

Typically they tend to cash flow well so a 4 unit might hit those 1% rule.I'd also highly recommend local real estate meetups, as you'll get local insights

Typically in commercial leases there is a non-compete clause.

@Ash Gowda - typically a 1.3-1.35 dscr.  5/7/10 (all dependent upon the lease term and re-ups); Rates fluctuate but for now from low to high 6's fixed.

I have made a lot of money in RE and negative cash flow is not a criteria that i typically ponder.  

@Elisha JohnstonFrom my experience, San Antonio is a great market for cash flow, with entry-level homes typically ranging from $200K to $250K and steady appreciation around 3-5% annually.

We typically do not lock our cars.  

Typical retail lots sold on the market for $55-60k a piece, an off market lot from a wholesaler usually come in around $45k a piece.

Typically  issues are raised when the exterior is not kept up with / parking on grass / garbage in neighborhoods where everyone takes pretty good care of their homes.If you keep it clean and run a tight ship, you should be okay most of the time.

But typically impact fees are related to water & wastewater services, or a traffic impact fee.