I'm have a job that's higher paying than the one I will be going to, and my current DTI is low given I have a high-paying job, but my DTI will increase since my new job is lower paying.

What would your standard house insurance be for a 100k house in either markets?

I currently only have Class A properties with zero tenant or property issues however I’m thinking about going with this property class to increase my overall portfolio cash flow.

Being a RE Broker you are held to a different set of standards and disclosure that if you were just a RE investor.

., but that's a question for the bank, not for the people here (unless they are the bank). each bank has their own standards.

Property info: #1 main residence, current value $1m, outstanding mortgage $400k#2 current value $600kSo, ideally I'd like to have one mortgage for $1m, to cover both properties - as that would mean only one mortgage, only one enquiry = increased probability for approval. 

Now, this is where you can really maximize your results - creative mailers, that actually stand out from your competition's mailers have provided me with a 26.7% increased response rate from using a standard yellow mailer type.Finally, the deals are in the consistency and follow up.  

This has more than doubled the size of their planning department, and drastically increases the population.

In Florida for example Parks with > 50% Tenant Owned Homes can veto an increase deemed unfair to them (e.g. it was raised to much too fast).  

If this is a SFH with in law, the tenant has the right to move back into the unit at the prior rent except for any normal increases after capital improvements and rehabilitation of the units have been completed.