DSCR is debt service coverage ratio and there is no income verification required, only the borrower/guarantor's credit and leases. 

I tend to use the Debt-Service-Coverage Ratio as my easy rule of thumb.

I am not looking property for more than 150-170k with conventional financing with 10% down (Seller financing even better), including PM and umbrella insurance cost also for liability coverage. whatever properties in my price range I am plugging with all the cost like PITI/HOA/Warranty insurance/vacancy rate @8%/HOA/PM etc.

Hello,I am curious to know how much coverage shall I purchase for a new primary residence I am purchasing. the house has almost 300K upgrade?

I currently have an umbrella policy for iablitu coverage of $1.5mm.

Renovate & Hold: The above plus Vacant Building coverage, Dwelling/Fire coverage, Umbrella,..3.

Which means that if your golf cart has rear facing seats on your property and you have travelers they will deny coverage even if you have a stand alone policy for the golf cart. 

@John Mocker Yep, have been looking into the city maps to check for partial coverage.

If it is a rental property you must get the liability coverage somewhere else, like an extension of coverage from your homeowner's policy.As an agent I would be glad to help you.

Also, for wifi look at Eero mesh wifi for good coverage.