These include (but not limited to) loan payments, taxes, insurance, utilities, etc...  

As far as tenants; I don’t know California’s laws but basically you advertise, screen, get a landlord type of insurance policy, sign lease, set expectations, take care of tenants and home but don’t confuse that with being soft on due dates etc.

I see a lot of Single family advertise as 10% cap rate but once you take into account insurance/ Capex for future repair etc i think it is closer to 6%/7%.Whereas for a condo I don't see the  expenses to add up and deteriorate the cap rate to 7%.

I was able to find a mortgage, but I struggled to find insurance. 

The coverage is $40,000 for condo unit and $500,000 for liability.

I have the following basic list and am looking for guidance on who else should add to that list:* CPA / Accountant* Real Estate Attorney* Real Estate Agent* Insurance Agent* Mortgage Broker(s) / Lender(s)I realize that depending on the type of real estate investment I might need more in my team (e.g. if I am rehabbing, I need a General Contractor etc.)Who else would you recommend I add to the above list at an absolute minimum? 

I did notice their expenses were lower then I estimated, also no line item for insurance.

You should, however have a copies stored somewhere for audit, lending, and insurance purposes.

County records, insurance records... whatever agency deals with the aftermath will likely have a record

If someone falls off your roof an insurance policy starts paying immediately while an LLC just sits there.