What kind of insurance do you carry? 

I think the problem stems from your lack of decisiveness, and I'm not saying that as an insult.I'm with Theresa.

I have recently switched my insurance from home owners to landlord policy.

It’s time to look into home owners/rental insurance.

Taxes and insurance will be another $400+.

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

Hi Carlos,I am in Madison, WI and we shopped around a lot when moving a few years ago and used Neckerman Agency (now McClone) who are insurance brokers. 

Hey BP,I know this question has been asked often, but I've been struggling trying to find an investor-friendly insurance company.

My piece of advice would be to make sure you have a great agent in your corner to help you assess the market, make informed decisions, etc. having a good agent can be day & nights difference when it comes to your experience.

Though DSCR gives you a better picture of how the property is projected to perform vs debt service, you can't rely solely on one measure to make a purchase decision.