While cash investors do not need to be concerned about debt service coverage, there is a loss of income on the cash investment that comes from vacancies. 

And they had insurance with 100% coverage of everything. 

My current insurance company ( American National ) does not provide coverage on these types of properties, unfortunately. 

@Larry Smith home warranty coverage on rental properties is a pain in the a$$, and I certainly wouldn't expect the tenant to pay the service call fee (however large or small). 

Purchase price: $170,000 Cash invested: $60,800 3-2-2 1325 sq ft per unit duplex13.42 Cash on Cash ROI6.16 Gross Rent Multiplier1.9 Debt Coverage Ratio$206,000 Y1 property value$21,200 Gross profit if sold today (but we are holding) What made you interested in investing in this type of deal?

We now have an insurance coverage addendum for all utilities to all properties for $20/yr Might be time to look into it.

One of my former neighbors in San Jose (of the Greatest Generation) retired in place using the long-term care coverage he had as a World War II veteran and retired worker of a company that offered such a plan as an employee perk.

If so, how long would you want to hold the investment; what dollar amount would make you want to sell it and buy another; when you want to sell will you be selling to a developer or flip it when the time is right.This is by no means a comprehensive list and we haven't even narrowed down on where you would want to begin looking. 

Its market value is about 165-175k and my replacement cost coverage is for 349k.

We’re aiming for a soft beta of nationwide coverage shortly and a full launch in the next ’couple months.