.- Capitalization Rate: 9.251232877 | (NOI / Property Price) calculates return on investment- Cash on cash return: 21.4063926941 | (BTCF / 25% of Purchase Price) return on investment assuming you used leverage- Debt coverage ratio: 13.15597403 | (NOI / Mortgage)If anyone is wondering where I got this formula from, it's called the S.E.O.T.A formula from a book called "Buy it, Rent it, Profit".

There is a comprehensive you can check.  

My lender is comfortable with a debt service coverage ratio of at least 1.2 on the initial finance, but the more I think about doing a commercial cash-out refi down the road the more I wonder if that would require a higher DSCR....maybe 1.4x?

Most of the major insurance companies will issue at least one.An umbrella liability insurance policy adds $1M to $5M of additional liability coverage on top of any declared underlying liability coverage.

Between the stimulus and unemployment coverage, it managed to kick the can down the road a few months.

If the defect hasn't been excepted or excluded from the coverage of the policy the underwriter sets about curing the defect. 

In an area like Kansas City, where there are countless hail/wind storms, full replacement cost value coverage is a must.

We are doing a flip on a house in Hawaii that I need coverage for.Thank you.

Rather than list everything you do need though, I'll just refer you to this post which has a comprehensive list in the third response down from Jeff: https://www.biggerpockets.com/forums/49/topics/413352-private-lender---forms-required- Do the terms seem fair? 

I was also recently turned down by CBIZ for coverage on a STR.