To me cashflow is important to cover unexpected expenses but I buy for wealth creation and tax benefit, not to supplement my income.

If so, do you have any advice on this particular situation with regards to insurance coverage?

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

There is no debt service coverage when a property is vacant/distressed and in need of rehab to produce a rental income situation.

I don't want to pick on you but you recently posted about utilizing land trusts and Wyoming LLC's to purchase real estate in Arkansas and also posted questions  suggesting you were unclear on how general liability coverage works/ is issued for a $170K purchase. 

However, the homeowner insurance coverage can bit steep at times due to the natural disasters down in FL.

Hi fellow investors,I’ve been hearing a lot about DSCR (Debt Service Coverage Ratio) loans lately, especially in the context of long-term buy-and-hold investments. 

Insurance companies all seem to have different names for the same coverage terms, so it's hard to know what you have.

"FEMA announced that federal disaster assistance is available to the state of North Carolina to supplement recovery efforts in the areas affected by Tropical Storm Helene from Sept. 25, 2024, and continuing." 

That typically happens when the agent gets a lead that's either outside his area of expertise or outside of his geographical coverage area.A mortgage broker can only pay you a referral fee is you sent him a real estate buyer or seller and that mortgage broker, working under his real estate (not mortgage) license completes a purchase or sale with that client.