@Pamela MaduroThis is great, an old thread revived next to yours:  https://www.biggerpockets.com/forums/67/topics/716056-quickb...Just look at the OP. 

Looks like I misread the OP's post.

I'm having the same issue as the OP.

Edit: Btw, not insinuating anything about the OP, just wanted to make that clear...

After not having a car for years, I drove a hand-me-down beater truck w/ 250k miles, until it couldn't pass smog, and traded it for a coin-op washer & dryer for a 4plex I bought with a partner a few months ago. 

I would assume from the OP that he is just starting out in the rental side of things and doesn't have the huge reantal income you have coming in which you can just draw from.

Michael Wentzel The company I use offers the option and I'm paying lower premiums than the OP mentioned for what sounds like a similar sort of property (also in KC). 

To the OP - What I am trying to say is - its not black and white , "Positive cash flow is good , negative cash flow is bad , california market is great "  - when you hear some one making these statements run away .

I'm not saying this is what the OP is doing, I'm pointing out that some will reverse roles attempting to get information because they feel if they didn't approach the matter in that way they may not get the information.An example that I had, without all the issues, it was a guy who wanted to "borrow" from his grandmother with a fabricated story of going into business and he also wanted to know how a default would operate and the consequences.

http://www.naahq.org/read/apt-advocate/income-bill-defeated-IndianapolisEven if it passed, it isn't a "mandate" as the OP suggested.