It's similar to saying that you should always put down 20% to avoid mortgage insurance—sometimes it’s smarter to put down 5% and keep more cash available for other opportunities.

it is hard to get on the radar of insurance companies. 

Is it possible to cover your mortgage taxes and insurance through what the average market amount is in the area?

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).

Louis Insurance Services, or O'Connor Insurance.

Additionally I spent $35,000 on property taxes, $17,000 on insurance, $35,000 maintenance and repairs.  

If you are going to have trouble with sub to, it will from your insurance company, so I'd tread lightly for sure.

In that case, you'll strongly want to consider what putting personal-use property inside of an otherwise business-use LLC would do to the liability shield, as well as insurance and tax reporting.There are several considerations that can go into the analysis of whether you need an LLC or whether a large insurance policy will suffice.

STR, MTR, it doesn't matter, you can't house people there and would be in a severe insurance liability if something were to happen in an unpermitted addition or renovation.If it was permitted, you would use Furnished Finder for MTR.

I am trying to get the best affordable quote for Landlord insurance.