Insurance fell dramatically since a new roof was put on and I switched carriers. 

I feel like these are my only options:- House Hack: Would I still need to pay the 6% tax rate if I'm getting rental property insurance?

I also assume you have homeowners insurance rather than landlord policy which is invalid if you’re not living there.

[1]    You might want to think about opening 2 FDIC insured savings accounts that have no fees.

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

By utilizing section 8 income we will turn it into a property that is insured beyond belief and make over $ 418,000 gross $320,268 net.

A lot of sellers are panicking, thinking the market’s going to crash, but they don’t really understand what’s happening behind the scenes—demand is still strong, people are still moving to Florida, and that creates opportunities.I own 32 properties, and I’m always tracking values—rents, insurance, taxes, all of it.

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

Insurance and LicensesThe Subcontractor agrees to maintain:General liability insurance of at least $[Insert Amount].Worker’s compensation insurance (if applicable).All necessary licenses and permits required by law.6.

If I paid cash for this property, the HOA + Insurance + taxes is around $500 / month.