Each insurance company may have a different way they calculate and pay for dwelling coverage.

When I did my research for buying my properties in Costa Rica, I had one of the big STR management companies like Evolve analyze my potential profits and I used that info to raise money through bringing on partners to buy the properties. 

Quote from @Deborah Brancheau: If you send me a PM I can get you in touch with some companies and foundation people in that area.

T First person I've heard say I look forward to the losses.

As noted above, having an agent that is familiar with investing can help in how the investing market looks versus how buying a personal property looks.

Who's name is the lease in, tenant or insurance company?

Much easier if your local contact has worked with these companies before.  

The insurance company will send you copy of the tenant declaration page proving coverage, and they will notify you if the tenant ever cancels the policy or allows it to lapse.HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

I’ve been in this situation and with a growing portfolio and expenses, it’s hard to put money aside for two mortgage payments.At Sid Was Here, my management company, we’ve always offered to let guests pay into the future for longer stays.

With that being said, I personally know several people who've had tenants that stop paying their rent and try to hang around for as long as possible.