My american family insurance provider was able to get me full replacement value on the whole duplex expect the roof. 

I just closed on a private money loan for an Oceanside condo a few weeks ago and used First American. 

One thing I've been curious is how the $1 trillion deficit will affect Americans and more specifically, the real estate market.

Short Term (ordinary income) Gains is currently 19.6%.

I use First American Home Warranty.

Most of the information you get on Bigger Pockets is American-specific.

However I can tell you the vast majority of Americans are mathematically illiterate, so when you start talking numbers to most people you might as well be speaking Hungarian.

The advantage of being a real estate professional is that if your deductions exceed your rent you aren’t subject to the limitation of only taking the net loss against ordinary income. 

If you held it for less than a year, it will still be taxed at ordinary income rates (short term capital gains really just means ordinary income rates).The fact that it was in a single-member LLC does not really matter; it will be taxed as if it was in your name because the federal government disregards single-member LLCs (pretends they don't exist).

Remember that tax pass-through entities is the backbone of American businesses.