When I started everything was manually:- taking the application--sending by fax or AE was picking up from the branch--submit to LP---going to U/W--process was taking about 25-30 days or even we did close loans faster if we have too, With modern technology which you mention--from MLO-U/W so many links has been added on the name of technology---we are still taking 25-30 days average if go with flow ---we can still close fast if required.

I have done this for 3 decades now and landlording simply is not an exact science in these asset class other wise these folks should landlord where they live.. and do it themselves.. 

USLI for Umbrella policy and American Modern for individual hazard policies. 

My Sister-in-law is going to school for Actuary Science.

The “staging” comes in the form of posting great professional photos online including decorative touches like modern vases, flowers, throw pillows and blankets, table runners, etc.

You need to be careful about picking tenants who won't pick up and vacate at a moment's notice, you need to be a decent landlord to keep this from happening, but you certainly need to have significant reserves in place for when things get tough.Leveraged-to-the-gills operators preening about how perfect their systems are will always try to tell you with a confident grin that they've got vacancy calculations down to a science -- they don't always.

We do a modern version of house hacking here in Las Vegas; we rent the casita at the front of house out.

Yes, we all know mold in large quantities over a prolonged period of time is bad but there is not a lot of definitive science out there. 

To many of your points on this thread, what we teach is not rocket science and you can definitely figure this out on your own. 

Initially- the agent I bought the policy from says that thru  "American Modern" - the company I'm insured on the 1st Townhouse for -- - that there would be no discount for multiple units.