I rely on SEC 8 for these neighborhoods in the winter months.

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I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

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Your Aircover mileage will vary and others have touched on "correct" coverage already.

An investor always needs to protect themselves and NOT rely on what others tell them.I don’t think we’re talking about the same thing.

Yes you will have to rely on what the little data you have. 

The information contained in this post is not to be relied upon.

The information contained in this post is not to be relied upon.

The information contained in this post is not to be relied upon.