(We have insurance now...just a higher premium)We probably won't cash flow as long as we are occupying one of the units, but we also look at it as a way to build our portfolio and are willing to "pay to play" if that is our only option at this time.

When I went for the tour, it was like going to a horror museum with mummy coffins, spiky bloody bed frames, hatchets, mannequin heads, horror art, and lots of horror movie toys (some new in box like collectors edition).

You can also let them know that it will decrease their insurance premiums since it's a brand new roof.

But we are in a market that our turnovers sometimes need to happen in 24-48 hours and tenants are paying a premium for a higher end finish. 

Because they are not only at a premium, they've been so for 6+ years now.

I am noticing when I run Condos through the DCF process, they are WAY overpriced right now (30% premium). 

You can of course edit this model to fit how exactly you plan on purchasing and what specific property type you are looking for.

I have Farmers insurance Company.Rental ABC Main St. 1- Add a Landlord policy, with a 5K deductible(to lower premium) and increase liability to the max 500K.2- The rental will be owned by a SM LLC.

Edit: Where are these properties?

For a single family home, though, you'd generally be better off going conventional.With regards to management software I have been delighted with my experience with Hemlane (basic, not their premium service, which seems like it only makes sense in a few markets but does sound cool).