The builders loan couldn't approve us for the amount we need to get, but we had a loan broker find a loan for 10% down DSCR with a 2nd home status instead of investment home.

The company is looking at charging %25 which seems like highway robbery.   

I did trying to do one subject to loan an my real estate investor didn't know much about it. 

The house is currently under management so I’d think they’d take care of getting top market rent but I think we all know that management companies can be hit or miss.

I don't yet have an estimate on cost.I've never used insurance for something like this because A) I've never had an expensive repair and B) I fix most stuff myself on my Denver units.Question is: Should I file a claim or will the insurance company raise my rates so much that it makes it not worth it. 

and frankly most landlords send a technician to fix things, not go there themselves, same goes for lawn care, usually you have a company that comes every week/other week, you do not need to be there.... 

My in-laws loaned us the total purchase price minus $5,000 on a 3% interest rate.

I have a local handyman that helped me hired junk removal company and pest control for the roaches.

The true censorship now is basically anything that makes the company looks bad, and that's not for the best of the forums.

House care, lawn care, condition of cars, street conditions, absence of pay-day loan shops... basically all the things you look for when determining where to live yourself.