Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

If you refi into a 30 year, your debit service will be about $5k +taxes and insurance, whatever that is in OR. 

I understand the title insurance fee itself may be set by the state.

There are a few strategies that our clients use. 

You're proposing a very complex structure that may be hard for lenders and insurers to understand. 

Hi Babu,A simple rental property balance sheet will have the following accounts:Assets: Cash, tax and insurance escrow, fixed assets and depreciationLiabilities: Credit cards, security deposits, and loansEquity: Opening balance equity, owner's contributions/distributions, retained earnings and net incomeThere could be a number of reasons that your balance sheet does not balance.

Brandon Turner has a great book on creative Real Estate financing strategies: Investing in Real Estate with No (and Low) Money DownSurround yourself with those achieving what your goals are.It’s so important to surround yourself with mentors in the real estate business.

With all of the changes in Florida Insurance, I am looking for some guidance on who to use and who to avoid for new policy coverage.  

If you have a w2, the best strategy to look deeper into is the short-term rental loophole.