Make a relationship with a broker/agent/agency (specifically independent) rather than a carrier.

Some are for-hire independent contractors, whose services an investor could enlist directly, typically for a relatively minimal cost.

The other local branches (Independence, Lee's Summit, etc.) are better.

If you use an independent agent they should be able to access but if you need help shoot me a message.I'm sure there are other options for it but this works for us.

Establish specific objectives for wealth building, financial independence, or passive income.

The PM as an independent contractor should have a general liability policy as well.

While independent (and I believe independence is crucial) I've been appointed with Penn Mutual for many years and they're excellent to work with!

I subtract that from my offer and run my numbers as:Rent (estimates from the MLS on closed rentals in the last 3-6 months; we have access).Insurance (we go to an independent broker; who happens to work for my company, so we bid everything out to dozens of insurance companies for some estimates)Taxes (we challenge them after a year of owning)Water/common chargesWe do not add PM fees as we manage all of our properties ourselves. 

How hard would it be to move a new tenant in? Depending

By going with outside tenants, you will become financially independent.