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

All this fancy mumbo fha guideline gumbo means is that your projected market rents assuming all units, if it were rented Times 75% need to be greater than what your monthly payment is  (PITIA = principal/interest/taxes/insurance/assessments monthly), other wise FHA will not lend at that loan amount so common solutions to this when rents are too low in your local market are to put more money down payment which defeats the whole purpose of low 3.5% down FHA doesnt it?

Louis Insurance Services, or O'Connor Insurance.

I’m almost hoping she rejects my offer because it’s so complicated, but it kinda seems like it could be a win win.We pay $2600/monthI’d offer her $3k/month ($600k @5% 30year amortization) plus I handle taxes and insurance.

To save money, management raised the wind and hail insurance deductible from 5 to 10 percent.

The caretaker would be required to assume paying taxes and insurance plus upkeep.Both units need a fair amount of work prior to being rentable now that it’s been vacant so long.

I even get insurance on dilapidated properties that I'm renovating.I get an actual-cash-value policy and they are only offering replacement cost.  

We work with builders, lenders, insurance, property management, and most importantly, We are boots on the ground.  

Going to be interesting to see what sort of impact the new Government's mass deportation policy has on rents and construction costs.  

Insurance for our properties is a commercial (expensive) policy, in the name of the entity instead of in our own name.