I filed an insurance claim on our landlord insurance and got a remediation team in there immediately to stop the damage.

Being out of state, you will want an agent who has good relationships with reliable inspectors, title companies, contractors, property managers, lenders, wholesalers, insurance agents, other RE agents, etc.

High property taxes and increases in insurance are very real there as well.

(average of $400/m) $7000 annual expenses roughly- insurance, septic Mgmt, lawn care, etc.

I would also recommend umbrella insurance equal to your net worth.

Instead of using your personal income, employment history and DTI to qualify, a lender would look at the income or potential income of the property to make sure it cash flows after taxes and insurance are accounted for.

Also - you probably wouldn't want to close on the property without insurance as you would also lack protection.What is the reason you can't secure insurance?

That's 5 months of profit gone just because the insurance company wants it done.

Cover half the mortgage/utilities/insurance/taxes etc 4.

Adding to this - any insurance agents here who can take the time to walk me through options rather than just send me a quote then harass me to sign pls message me :)