Your insurance premium (which you can get a quote for free in a few minutes or search the avg. insurance rates in an area), may be higher or lower depending on your location.

Who will pay for repairs, utilities, the payments, and what if you have an insurance claim?

Insurance is going to rebuild the house.  

@Edward Messer ours standard in town used to be 14% but no first month lease up fee.

If a screener won't forward the SS# in app, I'd require they insure all applicant's against any fraud and if not, send it or fired and working with a better BG screener. 

Here are some details: Top bottom duplex Purchase price 440kTurnkeyDownpayment - 55k Both units vacant2/1 upstairs - $1500 market rent (long term)3/2 downstairs - $2500 market rent (long term)Newly renovated Central ACSeparate electric meter 1 water meterInterest only payment for 5 years - $2567/monthTax - $500/month (appox)Insurance - $150/month (approx) Cash flow - $391 (after taking into account vacancy, property management, maintenance and capex reserve)ROI - 8.5%No prepayment penalty If used as Airbnb, ROI can be higher

I view a lease like I view insurance - I don't have health insurance to solve a $2800 problem; I have it to solve a $280,000 problem.

I need to renew my 52 unit in South Daytona Florida insurance very soon.  

However, despite having some success, I find myself at a plateau, struggling to grow my list further and enhance its quality.I've employed standard practices such as networking at local real estate events, leveraging social media platforms, and utilizing email marketing campaigns.

Break out single family/condo; then 2 units then 3-4 units all have different rules. 1-2 units is far easier to get approved verses 3-4 which have extra conditions to ensure that the whole project cash flows with market rents minus the one owner occupied unit. 3-4 units you need much larger down payment - as in no 3.5% downSecond home programs are for one unit types: SFR/condo/townhouse.Owner occupied means you live there and your insurance policy matches.