P.S: John I like that old youtube video of yours-the prank call when you were driving with some students very funny but something tells me you didn't get a call back lol.Finally a respectful shoutout to @BrianGibbons.

In that time, I've paid a nominal fee to a local real estate investor's association for mentoring; obsessively listened to BP podcasts;  spent hours pouring over blogs; and spent hours more watching YouTube videos on investing... 

Most agents and companies don't know how to do it or have access to the right products.The rate for a property that is actually being renovated is actually more favorable than a property that is strictly sitting vacant for 60 days or more, 30 with some companies, and it certainly stands to reason that the rate for an occupied rental dwelling would be the most favorable.When you think about it though, it will only be under renovation for a short period of time so if you go with a company that specializes in dealing with real estate investors and has a monthly reporting form, you will only have to pay the renovation rate for a month or two and then can simply switch the occupied rate once the tenant moves in.Also, if it was already vacant when you bought it, you can't count that as your starting point for "vacancy." 

For those that think investing in the Ghetto really is not as dangerous as they say please take a look at this video.

There is more to that story than it appears , I watched the video , thats an old trailer , pre heat pumps .

Free videos on negotiating w Home Sellershttps://reiskills.wistia.com/projects/o1gngsaw3k4.

Seth has a good video on how to fill one out.

For properties that are not in the corporation I pay about $650 for Dwelling insurance. 

@Manolo D. Well

Tenant may plant the beds adjacent totheir dwelling to their liking, but only with those plants that are ofappropriate size and type for the beds.