Here are the numbers:Monthly Payment: $1,255.60Principle balance: $177,466.11Principle: $301.61Interest Payment: $555.52Escrow Payment: $398.47Mortgage Insurance Payment: $125.36Additional Principle I pay each month: (Roughly) $144.40, to make the monthly payment an even $1400.I was given a rough appraisal of about $275K to $290k, and I know id need to meet the 75% LTV rule, so there's probably not as much Cash out equity available as I'm hoping for, but I figure Id see what my options are.  

They are pretty strict on these rules.  

The tenants stop paying you can’t support it and you get foreclosed on

They also will likely not consider rental income that isn't being generated so you will probably have to have enough verifiable income to support the whole loan.

The 1% rule seems to apply still. 

(Without management fees it would look far better... but I’m out of state.)Is there a rule of thumb I can trot out to evaluate investments on a debt to monthly cash flow ratio.

Pleasant have different rules (no owner/occupants which violates their multi-family ordinance). 

What is a a good "rule of thumb" profit margin to shoot for when renting? 

I’m analyzing a property and it’s at a 1.6 rule or cash flowing at 170 if using the 50 % rule, but diving deeper it says it has a negative cash flow of 500 a month.

Looking for a great insurance broker who is experienced in handling house-hack situations.We may short-term-rent our primary-residence unit within SF regulations (up to 90 days a year), which we will also want to account for with insurance (been looking through posts here about some insurance companies cancelling people's homeowner's policies when they hear about STR setups so want to make sure we're above board and with a supportive insurance company).