Quote from @Peter Walther: I think you'll find most, if not all title insurers, will require the DIL to be dated and executed subsequent to default in order to insure. 

You've got to include loan pay down, appreciation, and depreciation in your return calculations.The point of cash flow is to keep you safe.

I'm hesitant to give up my conventional loans on the next cash out refinance for DSCR loans.

It's even worse for landlords "The company is also asking for rate hikes of 38% for rental dwellings and 15% for tenants, with the rates taking effect May 1."

We use Hiscox for our insurance with our business, not sure if it works for property but its worth a try. 

Loan Amount 110kCurrents Rents $1,375/moMarket Rents $2100 5 bed 3 bath Happy to look at pricing for you with additional details.cheers!

Many Realtors will suggest purchasing a property using a FHA Loan, to reduce your out of pocket money.

Now, this would obviously be negatively cash flowing since you would need to pay taxes and insurance.

I have a property I'm considering seller financing with a wrap mortgage to a buyer, I'm currently refinancing the home and have the option to not escrow the taxes and insurance, which lowers the payment about 700/ month on the 1st position mortgage, BUT would escrow the T&I on the wrap mortgage. has anyone structured it that way what would be the pros and cons to structuring it this way? 

How did you get the insurance so low - it works out to $1,253 per month for all properties.