Using your ratio that leave 13.38% for pm, insurance, maintenance/cap ex.  

I will insure the property as a non-owner occupant. 

Well one thing that is interesting in regards to Earnest Money is that you take a place like Ohio, I'd imagine it's the same in Oregon but in Ohio the Division of Real Estate regulates the activities of real estate brokerages and their trust accounts but the Division of Insurance is who regulates title companies.

My principal/interest, escrow, and insurance is 1570, and my HOA is 306 and it includes water.

They have no ****ing idea.Your $500k salary likely has a 401k, health, vision, dental, etc.

More insurance will cancel short term rentals.

The purpose of the post was to find another resource for property insurance (i.e., agent).

Taxes have to be paid, so does insurance, what about maintenance? 

Be sure you consult your agreements with them as well to determine if there is some other action you are responsible for.You may also want to contact your insurance to find out if and when they may step in and do something.

No longer can buyers underwrite to $1,000/unit payroll and $250/unit insurance expense.