My hurricane deductible is 12,500.

However, those amounts are not paid through payroll deductions.

I shopped around and got a bunch of quotes and have narrowed it down to 3 options that only differ in the deductible.

I think HELOC is tax deductible for up to $100k on primary residence’s home improvement.

If you do, wouldn’t this be covered, you’d only pay a deductible to fix, and you could just charge the tenant that.

Who knows if politicians in the future will abolish the mortgage interest deduction?

Where I am lost: my understanding from the loan officer is that I was putting down $7500 3.5% but it only looks like $3840 was deducted from the note.

How high are your coverage limits, deductibles, etc.? 

I've seen it on both sides where the landlord is just nit picking and is going way past reasonable deductions, and tenants that are so far out there that don't realize they are going to be charged when they leave dog poop on the carpet for the landlord to clean up.

Also, we found out that they did not help us to pay the property tax ( but it has been deducted on our rental income) and got penalties and the city called a collection company on that.