Running the numbers using a FHA loan. 3.5% down and 1.75% upfront premium.

After doing research I had originally planned to get Umbrella Insurance however the premiums are coming in very high, mostly because they require auto insurance which I don't currently have or need (I live in the city and drive a company car that has its own insurance).In short, for a $1M Umbrella policy they're saying I would have to pay $1399 in various premiums, $900 of which is for the auto insurance alone.

A policywith a higher premium may be a better deal if it does not have a wind deductible.There are many endorsements that are available on the homeowners policy.

Also, forgot to add that they do charge a premium for “investor” (non-primary resident) loans ...

Working with a broker will likely be your best bet. as you probably expect, your cost/premium will be going up, but having coverage is most important. best of luck!

But, he said, earlier in the cycle, something starts to get a lot of users, but "the market" (of advertisers) isn't fully aware of that yet, so you've got a sweet spot in time where the "new thing" has the userbase (good for you), but not the demand allowing them to charge a premium for the advertising (also good for you)... you gotta figure big corporate "Fortune 500" entities can't decide on a dime, they take a year or more to "change" where they are spending their ad dollars, after an army of underlings prepares 900 pages of reports (or whatever) and it's slowly debated by people in suits, that sort of thing. 

Townhouses, Single Family and more premium properties can go for more but when dealing with under $150,000 properties or small multifamily properties those rent numbers can ballpark you on your underwriting for Washington County, MD and Franklin County, PA.I have been stuck at home but evaluating nearly every property in the cities i look at regularly, i have been using Redfin to pull sales numbers for the last 2-3 years for zip codes in those counties to find trends and help me ballpark my ARV (confirmed by my realtor ultimately).

Wood frame homes typically sell for less and the homeowner's insurance premiums will likely be higher.However, about five years ago I attended a panel discussion in Cape Coral with four professional home inspectors and I asked that question to the panel "would you buy a wood frame home?"

Wind mitigations are not required in order to get a quote since they do not impact eligibility - only premium.

The rental calculator doesn't take into account insurance premiums from an FHA loan.Secondly, how do I make myself a more competitive buyer when I am putting less down than other buyers?