A DSCR loan (Debt Service Coverage Ratio) is another option that offers low rates, as these loans are based on the potential rental income of the property, However they are for investment properties only.

-When you are out of town, who is your backup for coverage, for both maintenance and also general questions?

We have a handful of properties in the cape coral area that we're trying to find cheaper insurance coverage for.

At the same time no matter how much excess insurance coverage you obtain, there will always be a policy exception for gross negligence and even negligence will likely be covered only under reservations of rights meaning the carrier can opt not to provide coverage. 

Some of the best rates and coverage that I've found is through Obie Insurance. 

Nashville is a fantastic area for both, with strong rental demand and plenty of opportunities for single-family and multi-family investments.I specialize in DSCR loans (Debt Service Coverage Ratio), which could be a perfect fit for your buy-and-hold goals, especially if you're planning to grow your portfolio.

We added a few more video cameras to expand the coverage.

I believe I can take the $500,000 and leverage it into 2-4 cash flow neutral- -positive STR units which would cover the net uptick in debt coverage.

I wasn't too happy with the agent as well, kept pushing for personal insurance coverage through State farm.

You should also ask about warranty coverage, lease-up periods, and what kind of rental demand exists in the area.