Social Security/Pension Awards Letter (if applicable) W2s and 1099s - Last 2 Years Personal Tax Returns - Last 2 Years Business Tax Returns - Last 2 Years with the K-1’s (if applicable) Bank Statements – Most recent 2 Months for all checking/savings/stock accounts (all pages) Bank Statements – Most recent Quarterly statement for all retirement accounts (all pages) For all properties owned (if applicable): Need most recent Mortgage Statement Need property tax bill (if property is located outside of the Bay Area) Need Homeowner's Insurance declaration page – showing annual premium Need documentation to show the HOA dues (if applicable) Need current lease(s) (if acquired within the last 2 years) Driver's License – a pic with your smartphone works great Divorce Decree (if applicable) Previous employment history covering the 2 most recent years Company/Position/Start Date/End Date Previous residence history covering the 2 most recent years Address/Start Date/End Date/Rent Amount

I am one of those people who like living in the woods and having my space while still close to civilization.

You will have to pay a premium for labor, materials, & skill set of the contractor you are working with.

Before the risk premium was $400 a month when rates were low in that same scenario, but now that has changed is it worth it?

If so, there are tenants who will pay a premium for a build-to-suit with rail access.

For us it has woods, acerage, picturesque cottage with stone fireplace. 

I would like to eventually be able to retire off of rentals we have a ton on money coming in that is all savable as of now due to some lucky cercumstances so I just want the first property we live in to be paid off that way worst case senerio me and my sweetheart can still keep this pace of saving up. really just trying to build a really solid rock if seen some really nice duplexes past 78th in west allis for like 150k.If we end up buying somthing at that price for times sake we probably will just put a massive down payment on it like 100k or somthing.The other think we are thinking of doing is buying a condo cash in German town or tosa then when we save up enough from living frugally sell it use the combined cash to buy a duplex in shore wood or tosa.

He explained that it seemed to be my "insurance score" that is causing the higher premiums. 

In essence, tenants don't pay a security deposit, but instead, they pay a monthly "premium" to the company. 

How much is paid into the policy in premiums?