The flood insurance has also been extremely unpredictable at any of these beaches, so that's a bit of a curve ball.

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).

Nate @Nate Marroquin   You can use the income from your tax returns on the current rental adding back your paper loss (depreciation) and add back the mortgage interest, property taxes, home owners insurance deductions on your tax returns. 

I'll save you the details but...Per door cost: $63,300All in Cost: 700kTotal Revenue: 137k(ish) annuallyNOI: 65-73% (in the expenses we included: insurance, taxes, $75/month per door repair expense, management fee 8%, grass cutting, & a misc fund for random crap business license, etc.)Now...

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

I have family obligations.

. ;-)If the seller tells their agent not to bring certain types of offers to them, the agent is obliged to follow their instructions.However, I've also been told that an agent has a fiduciary responsibility to present all offers if not told otherwise.

(NY counties are generally quite expensive)Do you have home owners insurance to cover fire or other damage?

If I have a fixer listing, I have an obligation to put it in the MLS because of this. 4.

My biggest conundrum now is I want to be my own GC because even when I play with smaller numbers they’re still out of reach for me to be able to attain this goal and afford the monthly mortgage with taxes and insurance.