Call a local independent insurance agent and get a rough idea what it will cost for a rental policy not a homeowners policy.

Texas has held the top spot on Site Selection's annual rankings for nine years in a row.https://www.bizjournals.com/au...I know you are simply a Realtor trying to hype your area with cherry picked data, but this is simply a single statistic that has no inherent meaning for the investors here.

Once we reran the numbers my DTI was perfectly in range and I could qualify for the loan independently. 

If your goal is financial independence, how much cashflow do you need?

TLDR: Slightly free-spirited, highly independent guy has been legally homeless for in excess of 4 years looking to purchase a house and start investing. 

@Michelle LancasterI suggest doing a google search for local independent firms (but I'm biased)

Investment Info:Small multi-family (2-4 units) buy & hold investment in Independence.

It is similar to operating hotel scattered over 700 miles using gig, independent contractors .

Perhaps each room has a bathroom and a kitchenette(so to a tenant it is more like an independent unit)?

Note that when measuring housing, the Bureau of Labor Statistics uses rental prices, which have been held down by government moratoriums on evictions as well as a shift away from rental (as people flee to the suburbs).