Coverage varies based on size, age and location, but generally 50-80% of damages.

My experience with associations and insurance has been that the homeowner's carrier tends to look to the association's carrier for coverage or vice versa.

I am considering using a 401k loan to supplement my cash on hand for down payment and initial reserves (for a 4 unit investment property).  

You can get $5M of coverage for roughly $1,000/yr.  

The rental portion of the duplex will cover my mortgage and upkeep.When I quit my current job I want focus on my small business and also supplement my income by cashing out my 401K and buying another multifamily investment property. 

In addition to cash in cash returns and capital gains at sale, I also look at the debt coverage ratio to see if the property can support its debt service in these scenarios.  

And, I am researching for an affordable second phone service(and phone) with good coverage, strictly for wholesaling.

I am 24 years old and I currently own and operate a supplement company.

I would make sure your insurance quote includes additional fire coverage.

In general would you say that 30% equity coverage is "safe" on a loan of $200k or above and, if not, would you mind breaking down how and why that equity gets eaten up to the point that you don't see all of your capital returned?