An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provide support for the property tax appeals process.

If you have any claims or some list particular claims in that time frame they will not accept new business from you.In speaking with the product managers I've given the example of a client with 50+ locations paying over 45k per year in premium having a claim for $10,000 and would they take the total account into consideration when this client buys another property... the answer was a hard no. 

But that doesn't take into account lot premiums.

You can also consider increasing your deductible to lower the premium, assuming you have enough reserves for emergencies.Energy Efficiency Improvements→ If you cover utilities for your rental properties, look into energy-efficient upgrades (such as LED lighting, better insulation, or energy-efficient appliances).

What is the value premium? 

If I can't get a substantial premium above the market rate, it's not going to work out.

As a purchaser, I really like when a property already has utilities that are split but I wouldn't pay a 20K premium to do it. 

You could pay PMI for 21 months before the PMI cost more than the origination fee so you may not be paying much of a premium on PMI vs the origination fee charged by SECU.If you get this house up and running, you could be looking to purchase your 2nd home in just over a year with 3 to 5% down (depending on your income and the income limits for HomeReady once you are looking to purchase your 2nd property). 5% is always allowed if you make more than the HomeReady income limit. 

If they can't get a lonf from a traditional profesional lender then why are you lending to them without a premium for the risk? 

By moving to the SECT 8 model, we were able to increase the rents with $5-600 premiums per unit.