Property Tax is $337.5/m Insurance is $108.33/m total comes to $2294.26.

The contractor asked if there would be a need for electrical/plumbing work and I said yes so he included this in the estimate.

I determined the value to be $1,506,533:Value = NOI/Cap RateValue = $135,588/0.09Value = 1,506,533I put down 20% ($301,306)I pay 1 point ($15,065)I pay for title insurance and a lawyer ($7,101)Total: $323,472"After your research, you decide to project a 3% annual increase for both the income and expenses."

Mortgage payment is $930... taxes and insurance are escrowed, plus $120 of that is PMI.

I had insurance on the property, so im covered in that aspect, because they are rebuilding my unit as part of a mass rebuild project jointly with the HOA insurance.

They were responsible for replacing the damaged appliances, paying the pet fee, and my $500 insurance deductible, as well as rent.

Your carrying costs include mortgage, property tax, insurance, electricity, water, garbage, HVAC since it's summer and any HOA if applicable.Get a Prelim Title report $50 to $60 in most places.

Is there any hope at all that their liability insurance can help with this?

@Fernando PenaIf the tenant intentionally or willfully damaged your place, your insurance might cover some of it.

We bank and have insurance with USAA.