They just count toward your basis, and can reduce any gain when you sell.Part 2: Mortgage Interest and Real Estate Taxes 75% will be deducted against rental income on Sch E 25% will be deducted as itemized deductions on your Scheduel A (If your itemized deductions are above the $24k required for 2018 to be able to itemize) If your itemized deductions are below $24k- you get the $24k standard deduction instead and nothing happens with that 25% of the interest/re taxes. 

Anyone have recommendations on a good insurance company for seacoast NH investment properties?

It's come time for me to sort out my insurance and I thought I could set it up on monthly payments and this might be a good way to help me start building a credit rating, but it seems that in general, insurance companies won't report to credit agencies unless it's negative. 

I couldn't convince her that the contract required them to pay HO Insurance & RE Taxes, but since I felt they couldn't or wouldn't pay the Homeowner's Insurance or the Real Estate Taxes, I had paid them for all of this time.

(I super simplified this not taking into account reduced interest from accelerated pay down)Example 1:Mortgage 150k (paid down additional 50k) and 50k needed for next downpayment.Monthly mortgage payment $1000 (not including taxes insurance etc)Cash left after 2nd purchase $0Example 2:Mortgage 200k, 50K needed for downpayment, 50k in reservesMonthly mortgage payment $1000 (not including taxes insurance etc)Cash left after 2nd purchase $50kWhich example looks safer?

I have thought of spray foam which creates its own vapor barrier but it is way too big of a job for the standard DIY kits. 

I have purchased a Tax Cert in Alabama and have some questions on the insurance aspect.

Title insurance, various recording and delivery fees, etc. make up for the rest.By 6%, you are referring to agent commission?  

You'll run your numbers based on taxes, insurance, repairs and cap ex once you get rent rolls. 

Backed it up with a commercial insurance policy that includes a homeowners policy and $1MM general liability.