And there is a constant mention of Guaranteed returns there is no Guarantee unless its the federal govmit on 250k or less FDIC insured .. this was simply investor greed.. investors did not understand what they were investing in what the risks were and were blinded by the returns offered.. no one put a gun to their head.. investor make bad investments all the time..  

Also, can you say more about landlord vs renter’s policy on insurance ?

It will also insure that you are able to find the right submarkets in thew area that you are looking. 

“ cash flow returns” almost always compare horribly to a simple bank CD after you deduct for insurance, prop taxes< vacancy, capex, prop management (or your personal time.) etc etc etc. 

To make a new property cash flow with current prices, interest rates, taxes, and insurance, you're putting at least 40-50% down.

If you provide specific information such as the address, property purchase price and value,  credit, property rental income, taxes, insurance, experience, and Fico you should be able to get a term sheet detailing all the closing costs. 

This was the first property we carried flood insurance on, during our project.

https://www.qcnews.com/news/investigations/unfinished-business-multiple-homeowners-claim-nc-builder-took-bank-draws-cash-and-left-their-homes-unfinished/?

So on numerous occasions, I have expressed my concerns about staying within my budget.Now on top of this, the property manager let the pipes freeze and they leaked and the boiler also cracked which I was told to file an insurance claim.

My principal/interest, escrow, and insurance is 1570, and my HOA is 306 and it includes water.