@Jorge Morales  you need a landlord policy for insurance and the pellet stove may impact the cost so you may want to check that out.

While the return on the cash will be very low, it will be the buffer / insurance policy to mitigate any uncertainty you may experience in the future. 

Our homeowners policy does not cover bites from aggressive breeds (she is an akita/pitbull mix). 

I often break it down into the "five pillars" of protecting your assets.1st pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.2nd pillar is a good insurance policy as that cover the majority of your exposure.

It is more directly affected by the policies of Washington than Birmingham is due to the factors that drive each's economy.In short, right now you can't really go wrong in either of the markets.

If the answer to the questions are yes...here it comes: "The FHA requires the owner/landlord to make a reasonable modification to current policies."

Found a policy for our buyer that was THOUSANDS less than the .gov quotes (now that subsidies are gone).

- I have a method for making offers, it maybe lower than asking price but are you comfortable putting in lower offers (if requested I will show how I came up with my offer price) - (Since I'm a flipper) I work with a variety of agents but I have a policy that if an agent shows me or notifies me of a property, then that agent gets the commission (this is outside of a email from an MLS notification). 

Just check your structure replacement value on your insurance policy.

They'll be able to take the property information and get policy quotes from a few different companies so you can compare what is included in the coverage, the liability coverage, deductible, and monthly premium.