Market value:  approximately $170,000Replacement value $567.000My bank doesn't offer insurance at the market value; the premium for the replacement value is significantly higher.Does anyone have a list of companies that will insure my property at the market value instead of the replacement cost value.

Utility Service must be permanently dedicated to the local municipality or appropriate public utility entityUp Front Mortgage Insurance Premium - For most of its mortgage insurance programs, FHA collects an:Upfront mortgage insurance premium (UFMIP), and Annual insurance premium which is collected in monthly installments Mortgage Insurance Premium - For 15 year and greater than 15 years.1.75% of purchase price Annual Insurance PremiumGreater than 15 years & greater than or = 95% LTV - 0.8%Greater than 15 years & less than 95% LTV - 0.85%Less than or = 15 years & Grester than 90% LTV - 0.7%Less than or = 15 years & less than 90% LTV - 0.45%High Balance Loan AmountsLess than or = to $625,000 & less than or = to 95% LTV - 0.8%Less than or = to $625,000 & greater than 95% LTV - 0.85%Greater than $625,000 & less than or = to 95% LTV - 0.1%Greater than $625,000 & greater than 95% LTV - 0.105%INCOME—RENTAL Rental income from a borrower’s primary single family residence (boarder income) is not acceptable for qualifying.Rental Income from the subject property may be considered effective income if the subject property is a 2-4 unit dwelling.

MUCH better than hard money in my neck of the woods.

Kitchen has white laminate in okay condition, kitchen and bathrooms have wallpaper in bad condition, one bathroom has slightly rusted light fixtures, the grey wall paint is either gloomy or chic (you choose), backyard has patches from the dog, master bedroom has a weird wood inset, garage has a big dent in the dry wall where someone's car hit it, Where would you invest to make it feel more clean and modern?

Only small thing I question is the multiple shifts in wood grain direction.

In my neck of the woods these are only $75-85.

Can your insurance jack up the premium rate on you on the next renewal?

Can your insurance jack up the premium rate on you on the next renewal?

Both homes are in nice neighborhoods and so far I have 3 high quality single family homes that have always gotten premium rents so I'm continuing with that niche. 

Those that are looking for sfr for investments are in the mix with home owners that need a place to live putting a premium on those assets compared to multi tenant properties.