It's a beautiful city with good quality of life, and prices are much lower than the DC area. 

Has anyone had luck finding a insurance provider that offer any type of coverage to help with the replacement cost of expensive items such as A/C units or boilers?  

I'm so glad I was prepared years ago to jump on opportunities so rewarding that they are literally life changing.

Lelith Walker the reason for that is insurance.

Hey everyone, I'm looking to invest in my first property soon, I've been running numbers on properties but when it comes to monthly insurance, I'm not sure what's an appropriate amount to put in.

And yes is you buy a junior position the other mortgages senior to you stay in place but the IRS goes away as stated.. its the first in time is first inline ... so say you bought a second TD and there was a first td and a few mechanics liens filed before the 2nd was filed then those stay.. although rare because the second usually wanted title insurance and would not fund with liens in front of it.I loved Trustee or Sherrifs sales when IRS liens were there.. it scared all the newbies away.. and or those that had to back fill with a loan ASAP and could not wait out the 120 days.

You could potentially use a UCC1, but I wouldn't do it without title insurance and a title report or things could appear on the title of the property with a UCC1 filing.  

Annuities and Life Insurance7.

Liability policy" makes me think of insurance - is this what you're talking about?

When evaluating cap rates I'm taking out taxes, insurance, 8% vacancy, 10% repairs, 8% cap ex, and 10% property management fees; however, if I lower all of those percentages then my cap rate is higher - is everyone using lower percentages and that's how they're finding cap rates of 10%, or am I truly looking at a lot of overpriced MLS properties?