I've narrowed it down the choice between two carriers and there's a significant price difference between the two, as one offers replacement cost and the other actual cash value.Purchase Price:202,500 Loan Amount: ~$160,000Option 1: $1500/yearCoverage Amount: $205,000 - ACTUAL CASH VALUE Includes: Liability, Earthquake, Loss of useOption 2: $2,800/year Coverage Amount: $500,000 - REPLACEMENT COST Includes: Liability, Earthquake, Loss of useI can't decide which policy is more appropriate to protect my investment.

A key measure is Debt service coverage ratio.

And while Airbnb and HomeAway do provide some insurance coverage for hosts in case of damage, you'll absolutely need a homeowner's insurance policy that's designed for a short term rental property - which is different from standard homeowner's insurance.

In order to buy down the initial rate for the temporary payment, a lump sum is paid and held in an account used to supplement the borrower's monthly payment.

Usually, you continue to pay the preferred return until you sell, unless you have "debt investors", in which case, you will pay a fixed interest rate for a set number of years, and at the end of the term, you owe them all of their capital (which you do through a refinance, supplemental loan, or sell.).Acquisition fees and asset management fees are also typical.

Eventually, find value-add deals (even if you might need to supplement with HML money) that you can rehab and place a tenant, then refinance, allowing you to recover all the money back, and repeat.

They have good coverage and it's easy to pull the list you want.We just sent our first mailers last week and used! 

I am buying primary house (which I'll live in) with a separate duplex building in the back to make it 3 units in total.The quotes I have received are quite higher than I'd like for even half decent coverage so wondering if anyone has a good connection for this type of investment.

Short amort on this one still has a debt service coverage ratio of 1.25 at $1100 per month and jumps to 1.82 at $1600 per month. 

I don't know why the adjuster has already told you the roof damage will not be covered unless you do not have proper coverage on your policy.