Are their listings detailed with good-quality photos?

For all the reasons listed above, I would reconsider to a Single Family Home, preferably with no HOA.

I have had the back unit of the duplex I just purchased to house hack listed for almost a month.

Rent them in different listings and a third listing for both units together.

Each city has its own laundry list of licensing requirements, but they have not had the power to limit the number of rentals or make other market-limiting moves.This issue is likely to come up again.

As I run the numbers on local listings, I'm curious to see if anyone has any advice on estimating insurance costs on small multi-family in our region.

As a listing broker, do you hold the responsibility of reviewing closing settlement statements or can this be done by a salesperson? 

There are many ways to do this and many potential lead sources to consider.With MLS access, you can look up expired listings and call up those homeowners.

In my case, it's bought as is, but on the list is insurance. 

I dont know what they charge to be listed as lender or an agent..