Quote from @Carl Rowles: When you insure a SFH rental property, do you try to adjust and of the coverage amounts?

So I’d like to hear your strategies on the best ways (safer ways?)

I’d love your input on whether this deal could appeal to investors and how best to structure it.Property Details:Worth: ~$300,000HOA: $273/month, Taxes/Insurance: ~$170/monthCurrent Rent: $1,880/month (long-term); next tenant advertised at $1,950/month.Mid-term rental potential: ~$2,400/month (I haven’t tried this, but it’s my estimate).My Financing Idea:Large down payment: ~$125,000 (This is my priority to reinvest elsewhere).Seller-financed balance: ~$175,000 at 4.25% for 30 years.Buyers take over taxes, insurance, and HOA.Questions:1.

The STR loophole would work on the properties above, and then I could connect you to my CPA who has some great strategies like investing in Solar to keep more of your money. 

. -- lots of factors to consider (including your personal strategy), but here are a few high level metrics to compare the most populous zip codes in HuntsvilleWelcome to drop me a message if you are interested in checking out the full report 

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

Tampa can work, but yes, taxes and insurance are higher and might keep cash flow tight.

I have recently switched my insurance from home owners to landlord policy.

If you choose to go with this strategy you could complete your exchange and immediately do a cash out refi.

Personally, I do not like any strategy or approach that aims to benefit from the misfortune of others.