If I fail to pay my electric on time....it gets cut offIf I fail to pay my water bill......it gets cut offCell phone bill, Insurance and insert all other payments.....they get cut offIf I am on Section 8 housing and I do not go to my appointments or fulfill the requirements.....my benefits get cut off Can you tell me any contractual agreement that if I do not pay that I do not get terminated ?

I'm all about leaving lots of cushion as a sort of insurance to make sure I keep myself relatively secure so I'll keep in mind possibly raising those percentages a bit.

I was told that there is a website to find out what insurance claims have been made against a property.

PCSB, Westchester, even Webster.I'd also love to give you a quote on title insurance and save you 10-25% on premium. 

Any recommendations for a Landlord Insurance Policy in Harlingen, TX? 

Home Warranty companies are essentially selling you insurance and they have an incentive to deny claims. 

I feel as though we miscalculated something.One unit yields $400 in rent (1 bedroom) and the other yields $800 (3 bedroom).Total Rent: $1,200Duplex Price: $67,000Down Payment: $3,350Repair Estimate: $2,000Closing Cost Estimate: $1,500Total Investment = $6,850We factored in:Mortgage: $340Mortgage insurance (we would have a low down payment): $40Home owners insurance: $67Property tax: $113Vacancy savings: $60CapEx: $60Repairs: $60Lawn/Snow: $120There are no HOA dues.Total costs: $860So, our monthly cash flow should be $340.Annual cash flow $4,080Total Investment $6,850ROI: 59.5%I feel like this return is far too high.Is there something obvious we're missing?

Call me a negative Nancy, but if something goes wrong-say a break in and you were the last one to leave the apartment-who's insurance covers it-the tenants or yours? 

Always use a title co and get title insurance.

But, keep in mind you'll still need to be liquid for closing costs: Lender Fee, Broker Fee (if applicable), Title, Insurance etc.Cheers!