You are also going to need to carry insurance in every state you are licensed in, which will drive up yoir costs.

There are places like Indianapolis and Milwaukee with $50k duplexes that rent for $600/side.If your property isn't losing money and you want to keep it, I'd try to find a way to increase your rent (renovations, etc) or cut your costs (change insurance, refi, etc).As far as amortization, my feeling is that you either want no loan, a very short loan (so you will own it free and clear soon), or a very long loan (so you can cash-flow better).

It is also recommended that the LL have an ANIMAL -- not pet -- policy covering care, animal waste, vaccinations, insurance, inspections and damages.I would inspect and immediately charge for damages. 

I need help answering an insurance/tax question for which I am getting varied responses from the ‘experts’.

The taxes of the property will weigh on your qualifying ratio and so will the insurance...and both of those will require a Loan Officer with knowledge of the local market you are moving to in order to calculate properly. 

I only focus on vacant houses that have no redemption period after the deed is recorded, and are also title insurance eligible immediately.

The other variable you want to keep an eye out for is flood insurance, that is another deal killer. 

Plan to move out and rent unit C in 1-2 years.Mortgage: $183,000down payment: $6,405Mortgage payment with insurance, and taxes: $1450property taxes: $3,060yrhome owners insurance:  $1,740yrUnit A singe bedroom: $850 leased until 9/2018Unit B single bedroom: $800 leased until 6/2018Unit C three bedroom: currently leased at $1100 until 1/2018 but I will be moving into that unit.Landlord pays for heat in all units - seller said it is roughly $500 a month.tenants pay electric.Using the bigger pockets calculator I see that while I'm living there it should cover the mortgage / I may have to pay small amount.

Failed to collect Property Insurance and Property Tax on my promissory Note now buyer refusing to pay $15,000 delinquency on mortgage that is $709 per month @ 4% with $93,000 balance now pending foreclosure. 

You are right about the issue with insurance.