This is public info and usually it will change based on seller being there a long time or something like an elderly tax rate.What are insurance costs like (we've got a lot of local variability around fire insurance for ex.)?

I can fix almost anything and have experience with electrical, plumbing, flooring, roofing, siding, drywall, etc.  

For older properties, expect a higher CapEx due to potential issues with major systems like roofing or plumbing.

Your best bet is to consult with a good broker that has experience with business insurance and RE.

@Jewell ArceneauxHow to drive ARV (my opinion)Improvements that drive the ARV the most: Roof, New Kitchen & Bathrooms, Flooring, PaintImprovements that DON’T drive the ARV as much: Windows, Landscaping, Driveway, Rough Plumbing & Electrical

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

One thing you may want to consider is some sort of umbrella insurance - that might be a cheaper option, I'd price out bother.

Your insurance company likely has a no smoking clause on your policy and will back you up as you suspect this.

If the rate is reasonable then it may make sense to try to save fast to get to the 3.5% down payment on a double or triple - househacking may allow you to increase your savings rate and pay down that loan even faster.As for estimating costs, closing in NY factor at least 1% of the mortgage amount for tax, plus $1500-2000 for lawyer, title and fees, then the amount required by the bank for escrow will depend on the actual property taxes and insurance.

Can name their brokerage in there also to go after insurance.