In our experience you can get away with every 2-4 weeks depending on the weather and tenants. - Often, you can pay a tenant to do the cleaning.

Comprehensive CoverageBasic Coverage: Covers specific risks like fire, theft, and certain weather damage.

Since reserve studies attempt to forecast replacement costs of items over a 30 year period they are having to recalibrate since the reserves they are now using did not use the latest increase in construction costs.

Some people are forecasting a crash or collapse in office, maybe multifamily. 

The weather says a high of 92 that day here in Las Vegas, so our backyard / pool will be full :) 

This can be tricky as it requires a little forecasting about the market in the near future.

In the end it's my responsibility to forecast any big projects that may happen in the next few years and make sure I'm covered for those.

There were 100% some rough years early on, to be certain, simply because it's hard to perfectly time the catching of a falling knife, but those that weathered the storm are sitting quite pretty today.

All in for example, 75k, rent 1600, thats 2% + That gets me going :) 15-20% net, so this is after any forecasted vacancy, repairs, property taxes etc. 

For a flip, you'll want to get a builder's risk policy, which covers the property during renovations, including any damage from fire, vandalism, or weather while it's vacant.