Living in one unit and renting out the others allows you to deduct 75% of expenses like mortgage interest, property taxes, insurance, and shared repairs as rental expenses, while the remaining 25% applies to personal use.

Quote from @Nicholas Dillon: I read somewhere that you can request to have your mortgage insurance dropped once your Loan to Value reaches 80%.

Laws, taxes, insurance, adventure, new challenge, grow skills, etc. 

You also need to consider that at a lower percentage of money down you will be paying a Mortgage Insurance Premium or MIP. 

Another pro for a HELOC is not having to meet a HML's requirements for a loan (insurance, draw schedules etc....)

You can see Bridgeport is just building in old industrial space.

Insurance is awful.

There are fees associated with going to Real Estate school, obtaining your license, joining the board and MLS for your area, getting proper E&O insurance and so forth. 

New construction properties can qualify for significant insurance discounts, but otherwise, I generally expect insurance in this area to run a little over 1% of the property’s value if it’s in decent condition.Feel free to DM me if you’d like a good insurance contact to shop around for a better rate.

Do you have any projections for what will happen with the insurance market for this year, or is it even possible to project?