Hi @Zhong Zhang I have used vacancy hacks over the years to get personal properties under 1% when turning tenants over. 3% increase depends on renewing or getting new tenants, when renewing tenants that's  a safe amount. 

They are dependent upon USA trade and economy.

Depending on the type of replacement cost (functional, common construction, etc.) you may or may not be able to get reimbursed or replace with the exact materials that were there before. 

I looked at their booking calendar one time and thought it was pretty empty.I guess you don't know until you try...and probably depends on if you want high occupancy or high rate?

There is a not so inexpensive fee - anywhere from 5k to 100k depending on the program and they take a % of each deal. 

depending on how backed up the county is it can e take a few months for court date. in essex county it took my mother in law about 8 months or so for the full process. she had an attorney, not sure if that sped anything up

Taxes depend on the gains from the insurance payout and sale relative to your adjusted basis.

Depending on what you are trying to achieve, there may be some other lenders I could suggest. 

Cash flow is crucial, especially if you depend on it for your monthly income.Selling the property for $170k, which is above its market value of $120k, might seem like a good deal initially.

In addition, these markets are seeing both home values and rents appreciate.Cash flow from a property will depend on your down payment.