As far as the insurance claims, I've had many. 

Insurance is awful.

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The taxes and insurance sound like where we are in St Augustine and NY. 

We bring/offer the mortgage loan investment to the group & handle all the servicing, including chasing the monthly payment/insurance/taxes, foreclosure, etc.

Willing to customize to tenant desires FOR A PRICE. obviously, some of the above is accomplished by the particular property you purchased; some by repairs, maintenance and improvements, and some by ongoing service commitment.   

On insurance side of things, there is a lot of variables.

The won't insure you or they will jack up the price considerably. 

It’s entertaining to them sure but it solves nothing as there’s always 2 sides to the story the customer and the business.

IF you need 100% financing and lets say its $200k deal, the lender will be interest only at $150k at 12% = 1500/mo + taxes. insurance etc.