We're talking about title company reps, real estate transaction attorneys, SEC attorneys (yeah, the fancy ones), insurance agents, and lenders who make magic happen.

My hangup is that even though the HOA is not allocating $85k for the reserved this year, they will have over $200k in reserves (over 20% of the $850k budget) Everything else has been cleared by the underwriter (insurance policy, occupancy rate, ect..) but I am concerned this deal will fall through because of this issue. 

I can estimate most of the cost, taxes, insurance, utilities, PM fees, and such and I know that should be provided in the expenses but when it comes to the actual maintenance of the property, what strategy do you normally use?

We have a handful of properties in the cape coral area that we're trying to find cheaper insurance coverage for.

@Bradley MillerYou can get out of your lease without penalty but any damage you claim to your personal property is the responsibility of your renters insurance and all claims should be filed to your insurance company.

My siblings and I are building a home in North Port, FL.Here are the numbers:Finished Home Value: $412KishLand Cost: $19,750.39Construction & Permitting Costs: $304,897Additional costs: - Environmental Site Assessment - General Liability Insurance - Builders Risk Insurance - Construction FinancingWe will be listing the home this weekPhotos coming soon!!

Post this question on the mid-term rental forum and especially check into working with insurance companies for displaced clients.

I'm looking for a good insurance agent for landlord insurance policy!

You also have property taxes and insurance. 

I intend to use a loan servicer as I assume they make sure that taxes and insurance are paid!?