It is so high that it has become very difficult to find any property where it will have cash flow.Have you gotten insurance quotes?

Any success in the real estate market within Monmouth county NJ?
I’m trying to utilize 1% rule and it’s tough with current market 

If expenses are high relative to income, the cash on cash increases when the down payment increases (16k column).

I felt like this was a little high at the beginning of the deal and turns out I at least got that part right.  

Rent would be ~1,400 to 1,800 / month which is above market rate but housing is in very high demand and price is in line with what seniors who live on their own would be willing to pay based on my conversations with local Real Estate Agents. 

A tough thing we've found though (like you mentioned) is even the highly rated foundation folks in our area -- as well as a lot of the content online -- all have a strong incentive to sell big high-margin solutions.

Quote from @Jarrod Ochsenbein: Hit a new high and month is still going. :)  How do you run the numbers on a PadSplit property?

If risks feel too high, consider waiting until your live-in flip is complete and your position is stronger.This post does not create a CPA-Client relationship.

By the time I got to that point the cost and time involvement was so high I decided it was a distraction to what was already working.  

I am pulling in between $500 to $1,000 from mine each month even at a high interest rate with about 25% down for each.