@Kathie Mata   appliance insurance may work in some places, in my area is quite slow to show up.   

Low down payment (3.5%) is attractive, but comes with mortgage insurance and might not offer the best rates.

If was originated as owner occupied in the past and no longer is owner, if you have change of name on deed or insurance, if impound had a dispute, claims - are a couple reasons why the servicing changes.

Those can indicate poor management, deferred maintenance, difficult and expensive upkeep like ocean front which will bring up issues with rising oceans, insurance, and hurricanes. 

I guess it's just too many factors to consider and it easy to get overwhelmed and cannot get accurate info and estimation when I conduct analysis (ex. property tax rate, insurance, maintenance fee, rent, repair, closing cost, etc.) 

Maybe it is more difficult if the damage was more serious like fire or flood but it goes same with any insurance claim.

I’m talking about getting thorough with expense estimates, factoring in property taxes, insurance, and a cushion for maintenance.

Many stockbrokers and insurance salesmen are not fiduciaries. 

Compare this to your total monthly costs, including mortgage, insurance, taxes, vacancy and maintenance.

This should include potential rental income, expenses (including property taxes, insurance, maintenance, and potential vacancy), and your expected return on investment.