Rhino is an insurance program, and I do not recommend them.

.: You don't need insurance or a deposit.

The insurance costs for small multifamily in Florida, especially with older builds, is rising and rising.

Would title company insure the property with the easement?

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

When I filed a claim, my insurance company denied it because the property was under rehab and not rented.

You have the mortgage, taxes, insurance, maintenance, capital expenditures (roof, flooring, etc.), and also need to consider the cost of vacancies or bad tenants.I also recommend you charge market rate, for yourself and the tenant.

Move to commercial and industrial.  

They don't all offer the same servicers (default management, document services, tracking of taxes and insurance, escrows, etc.), but I am with you that communication and competency are key.

Some people will say, "Take out a quality Insurance Policy and you will be protected."