The amount that you will actually receive, in a partial loss, will be arrived at by multiplying the claim value by a ratio, with the ratio being: insurance amt divided by (80% of replacement value), assuming 80% is your coinsurance percentage.And guess what, the likelihood of a partial loss is many times greater than the likelihood of a "full burn down".This is how it has been explained to me.

Not using a calculator, 80K/3 is under $30K ...Now, some lenders use(d) different higher multipliers - 6 to 10 times in some cases - and end up with foreclosures.Looking at your example, for your $1000 rental, that means $36K annual income.

I have multiply properties that are also paid off.I'm wondering if it's best to hold title, under my name or her name?

Appraised amount increases will be multiplied by the CLTV to determine how much bigger the LOC might get.

I take the ARV and multiply it by .94(this covers closing costs, commissions, and a little bit extra) then subtract your rehab costs and holding costs, and profit, and you have a more competitive offer.

If I multiply 80 by 3700 I get $296,000, but I feel like $260-270 may be a little more realistic because people won't pay proportionally the same amount more for a 6/5 as a 4/2.5 per square foot.Is this good logic?

Always multiply the impact of anything you want to do by every house in the HOA, and you'll understand why HOAs are so uptight.

I then use a cost per square foot and multiply by the square footage. 

If your house is bigger than comps, then computing a $/sq.ft. from the comps and then multiplying by your square footage will inflate the value.

I take the ARV and multiply it by .94(this covers closing costs, commissions, and a little bit extra) then subtract your rehab costs and holding costs, and profit, and you have a more competitive offer.