They are quoting me to insure/replace a house costing close to $400K when I am paying less than half that for the place.

Account Closed Get a copy and retype/modify, half of it is state required.

Using the 50% rule you can expect expenses to be half of the gross monthly income.

I ask where they got there numbers and they said they were keeping track of it,,,huh,,,not even I did that,,,but cant think of HOW that is even remotely possible,let alone even half way close. 

IE, if you had two FHA loans (second due to moving for work more than 100 miles), could you still get four conventional loans for investment property with the easier qualifying, and 6 more at the more difficult level?  

I would ask a broker to pull comps going back 24 months and up to 3 miles on radius along with 24 months sales history in same zip code for similar buildings.

Comparing apples to apples, Allstate has consistently been half of some of the other companies. 

Although I'm not in LA, I'm putting my money on half of your responses will be from fix and flip investors who say that you can make money flipping but it's getting harder to find deals and people are overpaying on the front end. 

We have relisted it to give it a fresh set of eyes about  a month and a half ago. 

Crude trades at least half of its June '14 peak.