Insurance claim on property restored roofing and all other damages associated with tree fall.

@David Ribardo and @Joe C jump in with any edits/comments you might have Purchase Price $149,900 (50K a door rule looks good) Three units total gross/month 2239 (1% rule looks good) Fixed expenses: Taxes 2517, Trash 1125 (375/unit in Allentown unless private collection deal previously arranged) Insurance: 703 Common Electric: 519Water/Sewer: 802Allentown Fee: 225 (75/unit/year) Variable Expenses:  Vacancy: 2239 (One months rent of each place, or 8.3%) Management: 1800 (50/door/month) CapEx/Maintenance: 3000 (1000/door) Total Operating Expenses: $12,930 Total Gross Income: $26,868Net Operating Income: Op Ex - Gross = $13,938 Divide your NOI by the cap rate your looking for and you have your offer price.

Here’s how odor is typically handled on a fire claim by an insurance company.- First option is just washing (degreaser etc.) and thermal fogging.

Also, just my .02 cents, if you are relying on an LLC for liability protection then you are under insured.

Should the listing brokerage have insurance for things like this that they can make a claim on?

How much does it typically cost to insure a multi unit?

I'm also assuming $2000 for insurance, $300 each for electricity and gas/heat, and $1200 for scavenger (swag). 

Anyone can recommend an insurance agent?

They are on a month to month lease which we have informed them we will not be renewing for a couple reasons, the first being that they are a complete slob and are trashing the place / from the looks of it are the reason the place had bedbugs with the previous owner , the second being that they have dogs that are not covered under my insurance. 

Sure you can sell the home when you retire but will the proceeds of the sale after taxes and broker fees really net you a profit after a down payment and decades of property taxes, debt service, mortgage interest that you can no longer deduct from your federal taxes, repairs and homeowners insurance?