That's why the personal connection with the verbal deal and personal reputation on the line matters for me in classifying as a PML situation.That is a very clear explanation of the difference between HML and PML.

Steadily wrote a policy for me with these features on a Builders Risk policy. 

Ny is def not a starting point for me .

I unfortunately, being too kind, allowed one of these people to work for me.

@Ed Hoffman, I believe for an entity like an LLC to do business in a state outside of where it was formed it needs to register in that state.

However, we found receipt management (downloading emails and pictures and saving them to Google Drive) to be so cumbersome and decided to join QBO train.

For me in 2023:No LLC’s, 12 properties in 2 states, only 1 state income tax, no w-2’s, a pension and a 1031 exchange.I was charged $1,275, up from 2022 when I was charged  $1,175 but didn’t have an exchange.

Likely it is just a quit claim deed to your new name, however, also note that some states (ie MI - requires another form to be filled out and it changes our taxes - or can change them....).Get the help you need to make sure it is done right without costing you extra down the road.  

Once you get out and find your local REIA or meetup, you will build confidence on top of the information downloads because people just like you will already be doing what you want to do.

The DSCR program "Must use the lesser of the two either common rent from the appraiser 1007 rent schedule form on the appraisal or the lease".You also have to factor in the taxes and insurance because a guesstimate or ball park can kill the approval.