I will be closing (knock on wood) on a different loan shortly, but its a very different loan structure which is reflected in my pocketbook.i personally think homeless encampments are more of an issue here but clearly media is playing up the protests. 

Whatever portion it was tripled inside the premium. 

The insurance premium for FHA goes through the life of the loan. 

Either of them will probably be able to insure you at a lower premium than a stand alone Umbrella policy.

That fact that you mention putting granite in the unit tells me you’re probably more in the A/B class tenant market where a premium $300 stainless fridge might be more in line with the market.

Sticks and Bricks, 2 stories wood construction, down and dirty, you should be under 200$ a square foot.   

Know that in a bathroom rehab there will always be some water damage to the existing wood.

I don’t plan to try and save the original wood floors I was going to do vinyl plank throughout.

And some are on the other end of the spectrum and want to just hand the keys to the kingdom over to a turnkey management company and just collect the money (they pay a premium for this however). 

There's some *expensive* real estate in that neck of the woods!