If you find a good manager, you can still make as much money (or more) because they will attract better tenants at higher prices, reduce turnover, maintain the property better, reduce losses from amateurish mistakes, etc.3.

We've got a lease in our current rental that goes through July 23rd but just closed on our property last week.

My first deal ever last yearI purchased a two property deal in a single hard money loan.

This move had many anticipating a crash in the CRE market, with dire predictions of banks collapsing under the weight of defaulted loans.

It certainly is more than SF Bay Area, but is not anywhere near the 1% model.The last property I purchased was in Nov 2021 and my model, which is very conservative, showed about a 1% CoC with 75% LTV on a 30 year fixed at 2.75%. 

Lastly is there a post I can reference when getting insurance quotes?

And finally, of course, the last option is to just keep saving and waiting until you can afford the house you want.

This can trigger unfavorable tax rates when the property is sold, plus there are potential loss limitations, transfer issues, distribution problems, etc.  

Last year I was in Prague for 2 months while I was trying to close on new construction in FL, and i ended up having to do multiple embassy trips (which needs to be scheduled a week in advance), multiple expensive air mailing, and in the end I got back to the US and signed it there because everything was still screwed up.

John, we just switched to personalumbrella.com last year because Farmers said we had too many rentals to renew their umbrella policy.