Talking with homeowners and future homeowners is my wheelhouse.

Also, just my .02 cents, if you are relying on an LLC for liability protection then you are under insured.

Should the listing brokerage have insurance for things like this that they can make a claim on?

How much does it typically cost to insure a multi unit?

I'm also assuming $2000 for insurance, $300 each for electricity and gas/heat, and $1200 for scavenger (swag). 

Anyone can recommend an insurance agent?

They are on a month to month lease which we have informed them we will not be renewing for a couple reasons, the first being that they are a complete slob and are trashing the place / from the looks of it are the reason the place had bedbugs with the previous owner , the second being that they have dogs that are not covered under my insurance. 

From what im finding, some home owners are just "tired of their home", "in a financial bind and need quick money (regardless if they get the value of their home or not?)"

Sure you can sell the home when you retire but will the proceeds of the sale after taxes and broker fees really net you a profit after a down payment and decades of property taxes, debt service, mortgage interest that you can no longer deduct from your federal taxes, repairs and homeowners insurance?

I am considering finishing the attic into a 3rd bedroom and possibly making some upgrades to the kitchen.I already know I need landlord insurance.