Quote from @Paul Azad: Hi Brian, are you concerned about the new deportation policies by the new administration?

The insurance is higher along the coastal areas because of potential hurricanes but not bad the further north you go.  

How about the increased home insurance cost for a landlord policy?

-Will it be robust enough to track additional business expenses that are NOT tied to a single property (IE; Business insurance, Home office, ETC?)

Maintenance/cap ex, insurance, if a rental PM, bookkeeping, misc.The fact you have a loan means 1) leverage 2) equity pay down.In addition, there are tax benefits.So I will do some rough underwriting as an OO non-rental at 95% LTV (because FHA has some undesired consequences that make the 1.5% difference in LTV worth avoiding the FHA).equity paydown: 20% (using OP interest rate at 95% LTV and not counting closing costs). 

I have home owners insurance should i buy another landlords policy as well?

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

Also you should inquire with insurance agents about the cost to insure.

@Jessica Seppo,Many people take the cost of an LLC and funnel it towards more insurance and an umbrella policy.

But it's still...whole life insurance.