Well I actually closed on my house dec of 2022, but I bought a pretty old house and did a FULL interior renovation (out side still needs work) and have been here since June and we love it!

It's what they post as FMR, but it's not necessarily a reflection of what you are going to get, I completely agree with you.For fun, I went on rentometer.com because it usually shows good example, and for houses specifically, here's the numbers:1 – 4 Bed Summary1 bed2 bed3 bed4 bedAverage Rent$1,139 ±9%$1,735 ±5%$2,281 ±5%$2,892 ±12%Median Rent$1,000$1,750$2,000$2,67525th – 75th Percentile$901 – 1,376$1,319 – 2,150$1,681 – 2,881$1,987 – 3,79710th – 90th Percentile$687 – 1,590$945 – 2,524$1,142 – 3,420$1,173 – 4,610Standard Deviation$353$616$889$1,341Sample Size11596314Search Radius3.0 mi3.0 mi3.0 mi3.0 miIf would actually like to chat one on one with you to understand why all the FMR are so high in rentometer.com, zillow.com, huduser.gov, CHMA's website and you are telling me they are far from these numbers.

Personal Property Replacement Cost Coverage is not included, and valuation of contents would be based on the Actual Cash Value/ Depreciation.

Here is what propertyware software tells me: lease dates 3/1/23-2/29/24 ,  rent amount $1325 ,  last payment 12/21/23 ,   $4112.50 past dueFED FILED - Active03/01/202302/29/2024$1,325.0012/21/2023$4,112.50

If I were in your shoes I would request a preliminary settlement statement showing all actual lender fees. 

@Matthew Paul most towns, when doing a CO inspection, check the permit history before they come out to see if the town card (beds, baths) matches the actual house configuration.

BTW leases are in some cases actually considered real estate and the lease itself is taxes as real estate.

Happy to discuss how I do it, etc.I'm actually self managing from California.

How do you actually sign up with the insurance companies?

This is a great resource, but the most important is to build face to face relationships with individuals actually investing in the market you'd like to buy in!