Insurance-  replacement costs.  

Many DSCR programs require an investor to have a mortgage history- there are some DSCR mortgage programs that will work with investors who are renting- some refer to them as first time home buyers (FTHBs)- DSCR loans are only for investment properties where the owner isn't living there.

Different DSCR lenders have different guidelines.More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

I would guess an older home might be more cost to insure?

Usually when I close on a house, the insurance company sends out somebody to do a visual inspection.

I have a couple insurance brokers that may be able to help.

I found a 4 BR home next to local hospital. 

.$275000 with 25% down, taxes $4080, insurance is 3000 yr and rents is $3800 month, Water $400 mth. 

I live in Fl. where insurance is pretty costly but I am also investing in states where insurance seems less expensive.

Workers’ compensation insurance is mandatory if you have employees.