For example, they won't need to cover your personal belongings (furniture, clothing, etc.) because you won't be living there.A landlord policy should cost about the same as a homeowner's policy; it just changes what is covered.

It's probably best to have them pay out of pocket for a smaller cost like this.

I would also send the insurance company this same letter and tell them they are going to be responsible for the cleaning and repair cost.

I am just curious if you are utilizing cost segregation strategies for your investments? 

Same property listed water bill paid by landlord so how much does it cost to put individual meters for each property so cost can be moved to tenants? 

I own a duplex in Clermont, FL just outside of Orlando and initially wanted to split water meters between the two units, but the cost and amount of work were higher than expected.

Quote from @Patricia Steiner: There are several lenders who offer low/no closing cost options for first time homebuyers.

So about 8 houses per year will do ya....but don't forget your costs of doing business AKA overhead....Very good point!

Add 2 points and a processing fee for the broker an underwriting fee for the lender and various and sundry closing costs and you're golden.

Some even offer preferred interest rates as low as 5.75% at no cost to you.