Dare, Allen Jones at Allen Jones Insurance can help you navigate the claim and give you insight on coverage.

What companies and coverage do you recommend? 

But you can bet I'll never omit that coverage again and will be reviewing what other "optional" policies there are that my agent neglected to tell me.

My plan is to supplement that with a business focused in helping local people in California get access to the great rental market in Baltimore, either through direct ownership or debt.

If the buyer owns the furniture they could add personal property coverage for the furniture to the vacant policy.

@Ryan Blake I would love > 1.25% and think coverage like that is attainable, especially if I become a cash buyer with private money and I am patient enough.

You are look way below the Middlesex County limits.I totally understand not wanting roommates, however, the ability to supplement even a condo with roommates can be phenomenal and an easy way to get started in RE investing.You final question has a few concepts packed together:1. -$100 a month does give you some tax losses plus the depreciation.

However, always protect yourself with sufficient insurance coverage and good contracts if you're operating as a general partnership/joint venture.

Aggressively paying down the mortgage by supplementing the 500$ in cash flow with an additional $1,000 in personal income we would pay the mortgage of in approx. 10 years and save more than 120K in interest payments.

I don't know what that means in terms of coverage if say your house burns down, could the insurance company not pay out a claim due to you having more than 1 family living in a "single" family house.