Each closing, whether multi-family or single family, is going to have some of the same costs: title insurance, attorney fees, inspection fees, appraisal fees, fees associated with financing, etc.

Do they have insurance and property tax reduction reports in their study?

That is just the loan payment and doesn't include your insurance and taxes like a typical mortgage payment does. 

Maybe it is more difficult if the damage was more serious like fire or flood but it goes same with any insurance claim.

The insurance agency I work with is having trouble finding a company that understands that type of policy and also offers it.  

CA has it's upsides and both states have insurance issues.

Same answer whether you borrowed against your residence or against your rental A or against your life insurance or from your family or from any other source. 

The mortgage was also raised due to insurance issues to about $1,950… so I am not making much cash flow, more like a cash trickle.

Here are a few things that I like about the neighborhoods in Indy compared to other states: high rent-to-home-value ratio, consistent and gradual city development, relatively low property tax and insurance cost, affordable renovation service cost.From my experience, it's possible to find deals that meet 1% rule if you invest in *turn-key* duplex or SFH here, but they are harder to find, and could potentially slow down you from scaling up.

I’m told taxes and insurance is lot and will rise each year and cash flow is hard to come by.