For example, for insurance, maintenance & repairs reserve, utilities, and PM, i generally assign 10% of the monthly rent to these. 

I have a different insurance company handling each state. 

Does anyone have experience with Business Interruption Insurance? 

It is drivable 365, decent weather, tons of newer stock, low taxes, low insurance, very pro business, entertaining etc. 

OURS is the lender.THEIRS includes the additional third party charges from others required to close this transaction... title company for sure (closing + lenders title insurance) and it's possible that outside attorneys are preparing your loan docs.

Next to it you can find the taxes, insurance, and any HOA fees. 

So they can't insure until April 2019.

However, you have to include taxes, insurance, CapEx, repairs, etc. 

I purchased a property and lived in it for years before I changed insurance companies and it was revealed that I wouldn't be insured until the Federal Pacific circuit breaker was replaced.

After my share of CON-tractor stories, I only hire licensed/insured professionals in good standing with the state of Florida and who have at least 2-3 good referrals I can verify.