I like doing 30yrs and paying extra if needed, but gives the extra flexibility.  

LOL Not sure if Insurence costs are different ,but you are right about the extra set-up and Labor costs .

i buy them if they need them and we charge extra

I'd say it up to you whether or not to charge the extra $250.

But the real question is: Would you rather have the couple hundred dollars extra each year or the peace of mind knowing that your and your family's personal assets are not exposed because you decided to buy an investment property?

But the real question is:  Would you rather have the couple hundred dollars extra each year or the peace of mind knowing that your and your family's personal assets are not exposed because you decided to buy an investment property?  

I'd suggest calling 3 local companies and asking them all for a quote to see exactly what the extra expense (if any) would be. 

I will have adequate cushion. also, having extra cash on hand would help me,if any good property that comes my way. whats your take on it?

Our typical returns are $550 for a basic tax return for  LLC or partnership, but we also charge extra for consulting during the year.

I figure, once I learn the new system, the extra hour or so of work completing the forms is well worth the cost savings.