- What portion of the total budget should be allocated for marketing and insurance?

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

Louis Insurance Services, or O'Connor Insurance.

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

Throw in some extra costs like moving expenses, professional photos (a cost the STR PM may also need to pay depending on the quality of the existing photos), renter's and lessor's insurance and a listing on furnishedfinder to round out some of the start-up costs.

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).

What about legality and insurance. if using a single family home wont the town shut you down (especially if neighbors complain) also will i need a commercial insurance policy?

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

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

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