, now I'm looking into finding low-cost insurance in the Youngstown/Northeast Ohio area.

Does the $1040 include insurance and taxes?  

What makes you think she will be any better with the taxes the utilities the mortgage or the insurance ?

Maybe you need to set your profit goal higher to insure your misses come in higher.Take pride in finishing your 4th profitable flip.

Taxes are $596/yr and insurance is $450/yr ....... which totals  $87/monthThe house would rent easily for $575/month, but no more than $600/monthI have houses in this area.

Most banks will pay for your closing costs including mortgage tax, title insurance and appraisal.

@Dennis Rootes I also want to add that in Houston you’ll have flooding issues potentially but also in other parts of Texas you get a lot of hail and increased flood damage that makes your insurance more expensive.Just FYI 

I used the rental prices from Redfin ($995, $1050, $950, $1050) as well as the expenses like taxes, insurance, etc. 

@Nathan Ignatovskiy our normal fees run roughly:- esrow/title/taxes/etc: 1.85% of purchase- lender fees: 2.5% of purchase- insurance: 1.4% of purchase priceHope this helps. 

You can request the HOAs budget and financials to determine if it's reasonable or not.In addition to landscaping and pool, an HOA is also required to carry insurance on both the property and the board of directors' E&O insurance.