A single program consolidates your policies, making renewals, premium payments, and claims management much easier to handle.

I’ve been through it all, from D-class properties to premium investments...

Thanks in advance.  90% LTV product cash out is for primary residence and has no monthly MI pricing is about 1-1.375% higher than conventional going pricing so there is a slight premium for it but it is 30 year fixed and available for those who need the money compared to other options available.You can always transfer to LLC later on once you've seasoned your payment history on the loan for 6+ months to be safe.

As a MTR, 14% premium doesn't seem worth it though. 1.5months of vacancy will already put you behind of what you could have made as an LTR.

The thought came to me because people pay a premium for new construction but then each year systems get older, so you are really banking on the value of the land.Thanks!

Your premium will possibly go up also.

Long term rentals are unattractive in CA imo especially since you can earn a lot more with different rental strategies even doing mid term rentals will still probably be more profitable than doing a long term rental.As far as hiring a contractor or bringing in subs for each item that will come down to how much you want to be involved, you'll save money finding and subbing out individual jobs but it will take you longer and you will need to manage everyone you hire and contract to do business with whereas a contractor will manage all that for you but there will be a premium put onto the price obviously for that. 

Now the premiums are so high it is better to build.  

The actual insurance premiums in PA are regulated by the state with some exceptions (most notably approved attorneys).

I once paid for a premium listing, a few years ago, and did not notice any difference, but how could I tell?