Insurance : This area of consideration deserves its own deep dive so we’ll briefly highlight key concerns. - The underinsured.

Very little too almost nothing because look at there life.

My motto, "Honesty, Integrity, and Accountability," has always been my guiding principle—not just in business, but in my personal life as well.

I'm at a point in my life and real estate career where I need somebody. 

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). 

@Eric Robertson I'm the founder at Obie Insurance.

I'd love to find out a little more if you are willing to share, about your suggestions for someone just getting started, albeit late in life.

Here is another post on this subject from BP:Learn to Live Life on Your Terms through Real Estate Investing on BiggerPocketsPlease note I have not taken this course or have info on it, just posting what I found on a quick search of this site.

.$275000 with 25% down, taxes $4080, insurance is 3000 yr and rents is $3800 month, Water $400 mth. 

.: Quote from @Andrew Steffens: Curious what is the purchase price and taxes/insurance/HOA?