Once the company sends out an email telling their customers that they are their "family" you know everything else after that is going to be a line of b/s and deflection lol.I hope you are well.

You can find some decent deals in Lawrence I just helped a customer close on a SFH last week.

I didn’t go with his company to set up my life insurance policy.

Again PMI offers the lower rate because its less risky and offers insurance to the bank.So when you sell your current home try and keep as much as possible and avoid an "All Cash" offer.

We use a custom lease that has evolved over more than a decade to protect us and the property owners.

Or if your not doing too much volume he can buy/partner in his personal name and get good liability insurance.

There is a company in my area that it looks like it will cost me about $400 a year per property but after this week I would welcome that "insurance" as I just had a large unexpected AC bill.  

Many companies will be lazy/cut costs after they have a large enough customer base.Currently Dataskip.io is the best. 

The only way to answer that in general (whether house hacking in today's market is still a good option) or for a particular property, is to learn how to run the numbers and analyze a specific property to see whether it will be able to stand on its own as an investment when you move out someday.There are a lot of resources here on BP for doing that but I'd just say, make sure the assumptions you're putting into your spreadsheet or deal analyzer are realistic.Make sure the rents (especially for vacant units or pro-forma #s) are realistic by doing your own rent comps; make sure the mortgage rate is realistic by doing some research online and/or talking to some mortgage folks; make sure insurance #s are realistic by getting a couple of quotes for the # of units and zip code / area you're looking in; etc.I hope that helps, and good luck 😊

Then you will have a principal and interest payment of around $13,450.00 plus Taxes and insurance so add in another $2800 for $16,250.00 a month.