Hotel/Motel, Condo, Apartments all have had substantial rates because a lot of companies have either stopped writing the business or non-renewed it and the companies that will still write it have to take premium because of the risk they're taking on.I know that doesn't help you at all but my advice would be if you have an independent agent who you trust and like and believe they're doing the best they can for you stick with them and let them work all the markets for you.

I regret writing this bad review, BUT I HAVE TO.

Tax and insurance: have to pay those for the property time to recover investment is 20 years assuming 1k cash flow - paying cash.I would love to hear your thoughts and experiences with either option.

I this era of high taxes, insurance, and historically normal rates (notice I didn't say high rates as they are currently somewhat the historical norm), it's hard to do a higher loan-to-value deal and get the rents to cover the PITI + any HOA.

If you have financing on a property and you sell it on a wrap, everything works well until the lender calls the note due.Since you have sold the property, you no longer own it, you can not refinance to pay off your lender.

You can request PMI to fall off your loan once you hit 80% LTV. 

I claimed about $30,000 in depreciation on my tax return during the rental period.

(To see if you can sell tax free.)How much money do you have invested and how much are you making in cashflow and mortgage pay down.

It seems you're under leveraged when you could sell tax free and generate a bigger return with multiple properties.

There are also additional costs of operating and maintaining an LLC, like separate bank accounts, annual report filings, tax filings, etc.2.