I actually like them because the homeowners' association (HOA) usually covers most of the insurance, and there is very little maintenance required.

you just input the address and it import the information which has bedrooms, bathrooms, and square footage. just be careful with the insurance and property tax data.

I bought it last year and thus far have: 1) Appealed assessed value to bring down taxes, 2) Got better (less expensive) insurance, 2) Rehabbed 3/4 units, and 3) increased rents $300-$400 per unit along the way.

There will be no assessment for increase in taxes or insurance so remains at $1935.

To my knowledge, guests also have trip insurance. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

The agent has insurance, but clearly, they should not be an agent if they don't disclose this. 

According to Warren Buffet, Fannie and Freddie really failed because of high-leverage risk-taking in the fixed income arbitrage space, saying:“The portfolios are what really got them into the trouble…the managements of Freddie and Fannie tried to juice up the earnings, basically, because the insurance guaranteed that they were given that mortgage.

I would check with your insurance agent and the city.

Mortgage PITI would be around 5300/m total w insurance, seller financing is around 3600/m w principal, 3100/m with just interest.