Looking at insurance for these properties, what is generally considered to be adequate coverage, ie what should be covered and how much would be a reasonable amt.

If you find a great deal on a 4plex where you live in one unit and the other units provide you with total coverage and extra cash flow per month; then you CoC return is essentially infinite (assuming you got your closing costs covered by the seller).

Keep in mind that along with rent you also need to cover furnishings, utilities, cleaning staff, maintenance and supplies.

I took the first job I could and it wouldn't even cover my bills.Here I am three years later with my credit back up in the 600s, I have three jobs, and I'm working to get into REI.

For my particular scenario it might be something that I wait to do until I have more of the project costs covered.

It seems like you have everything covered.

When I called my insurance company they said they won't cover it because it started prior to my owning the property and the previous owner's insurance would be covering the property at the time.So, we didn't have a property inspection prior to purchase.

Always have a contingency line item will help cover any unexpected expenses. 

You can always pay your own agent if you think the deal is really too good to pass up and you still want representation.   

Here it is.The source is Trend MLSLet me know if you want to see any other county that covered by Trend (berks, bucks, burlington, camden, chester, cumberland, delaware, gloucester, kent, mercer, montgomery, new castle, salem, schuykill)