Although not a comprehensive list of developed countries, I didn't realize that Mexico(the only one) had a higher standard commission rate than the US, and that Japan had the same one. 

These loans are based on FICO, experience, and Debt Coverage Ratio. 

You have to look at your Debt-Coverage ratio though, most bank want a 1.2-1.25 Debt-coverage ratio to finance which is tough for a house hack.

Just starting out I personally saw no need having an LLC because the bank owned most of the house and I had $1M insurance coverage and after I got a few more I then added umbrella insurance on top of that.

Chances are you will need an E&O coverage in case the HOA officers or management company miss something.

Income is not guaranteed regardless of how the system works, Tenants will get cut off, they will not pay their portion and they will do things that are beyond comprehension for the normal person.

Anyone have an agent or company that I can use/get a quote or know what the first step is for me to obtain insurance. also any tips on the coverage i will need.

Head-and-shoulders above big box paints in terms of coverage and workability.

If you can swing a larger down payment and show good debt coverage on the 2nd property, they may be willing to work with you.Alternatively, bring in a partner to give the bank more confidence.

They will shop for the best coverage & price for you.