I had too many rush loans come in during that week the insurance and appraisal came in."

One has a 162k mortgage, $1250 tax,Insurance,%3.5 30 yr, worth at least 750,000 LTR rent $3200, #2- Los Angeles worth   $750k as well just did a remodel of 150 K, mortgage is 75,000 payment $700.tax,Ins, Mtr/str hybrid.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

That is unless you have a JV or other equity partner who is putting up the funds immediately with no lien, title insurance, etc.

Insurance fell dramatically since a new roof was put on and I switched carriers. 

The Homeowners Insurance will include Builder's Risk. 

If the permanent financing will allow you to recover most of your initial investment and the fair market rent covers the principal, interest taxes, and insurance with cash left over, you have a BRRRR.

It’s time to look into home owners/rental insurance.

In our market it is important to make sure they are a licensed broker, carry adequate GL and worker's comp (and name you as additional insured).  

I'm also having issue with no onsite manager, but in regards to insurance.