Doesn't "GC Joe" get a discount from "Plumber Sally" who he gives regular work to all the time (v me a pesky homeowner who is going to be a pain in the butt to deal with all around, or even if I'm a flipper I'll only give her 2 jobs a year)?

What amounts should I plug in for those?

(remember to plug in specific dates when doing your research, otherwise you won't get an accurate idea of pricing)If you're going to be overseas in a very different time zone, or with limited access to your cell phone/computer, I think you're going to be better off with a PM if you choose to STR.  

Also just as a cover your butt thing, don’t let tenants ever do work for rent on the property.  

Just the threat of foreclosure and them losing the title to the property should get that borrower off their butt to take action and pay according to the terms of three note.  

@Orane Jacobs My best advice is to plug in your numbers on the BP B&H calc. https://www.biggerpockets.com/buy-and-hold-calculatorThis has been the best tool I've used to analyze buy & hold properties. 

Anywhere in the SF Bay Area that you can qualify for a mortgage in the amount needed at all, you will almost certainly be over the applicable income limit, as of July.You can plug in the address here, and see if that's true for you as well: https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-mapIt's a niche product, not really what big banks or credit unions are known for being competent at.

I recently fell off a ladder and suffered some injury, so all I have to do is stay plugged in and try to help if possible. 

It is the last house that butts up to Farmland acreage with a great View of the Coburg Hills.

I'm looking for some advice from the seasoned investors and insurance experts.I've got a quote that actually beat my pro forma, however just like anything they are now offering the "add-ons" and upgraded coverages (service line coverage and equipment break down coverage to be specific).So my question is, where do you draw the line between coverage's that can save your butt if something were to go wrong, and where can you save a dollar here and there and rely on your Maint/Capex/cash reserves to cover the unforseen issues in owning a rental.Also if anyone is so inclined, if any, what are THE additional coverage's to get when insuring a rental?