Coverages included in a typical Broad Form policy are the same as in the Basic Form policy plus the following;Burglary/Break-in damageFalling Objects (Tree’s)Weight of Ice and SnowFreezing of PlumbingAccidental Water DamageArtificially Generated ElectricitySpecial Form (THIS IS WHAT YOU WANT!!!)

The concept of putting more cash in will pay off a property faster, but without using actual numbers, you can make any scenario look like it works.When you put your scenario into the real world, the timeline, the dollars in, isn't going to payoff a property in 6/7 years.Now, the most important part of the answer.You're missing the power of what leveraging can do with your cash.1 -  The object of REI, which is something you don't find in other investments, it NOT to own it...it's to CONTROL it. 

It's all a mess of digits on a screen ;) Not really tangible or concrete stuff here..

I would be happy to personally review your profile and objectives to position you for success.

double-digit c-o-c - not bad. figure out your expenses and go from there. water could be in hundreds a month, so your $358 would have to account for that. when doing inspections, bring a contractor/plumber in to see what all is involved (permits, etc.) to get this done. does the property need repairs? 

Not every property will rise to 4 digits.

We should absolutely be measuring our behavior against our objectives.

I know the SD doesn’t have rent control but what did you run into when your objective was to have them leave?

Furthermore we are all different with differing objectives, and what works for me may not for you etc.

Good luck, investing is very personal, but the results are very objective.