In addition, we have a big umbrella policy.So, as I was getting an insurance quote for this 11th property, we were told, our personal umbrella policy will only cover up to 10 properties, and anything beyond that we will need to get a commercial umbrella policy.

Ok it might not be 1:1 but it will add additional revenue.

If the numbers work when I run them, I know reality should only be better.ActualsPurchase Price $227,500Interest Rate 30 year conventional 6.375%Homeowners Insurance = $920.21Rents = $1,900 per monthTotal mortgage + escrow = $1,182.58 per month with rents at $1,900 my actual cashflow is $717.42.Additional numbers behind the dealTotal cash to close = $87,475.55Down payment = $80,000Homeowners Insurance - $918.36Rate Buy Down 1.283% - $1,892.43We paid to lower the interest rate by 1.283% over the course of the 30-year loan.

Instead of being upfront about the additional interest, they presented misleading figures that made it seem like I was getting a better deal than I actually was.

Wasn't sure if I would create additional equity from getting it rezoned to Res. 

Quote from @Bruce Yi: @Gustavo Delgado what's a reasonable additional deposit? 

An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provide support for the property tax appeals process.

Furthermore, whole note investments benefit from an additional 0.5% annualized yield and are entitled to a share of any extension fees charged to the borrower."  

@Joe Michaels, What a lot of investors will do is to use the 1031 exchange as @Michael Plaks said, isto actually "acquire" additional depreciable basis. 

You don’t want to add it to the rent and pay it yourself because you’ll lose the “Tenant compares the rents game.”