HSAs, on the other hand, require only a high-deductible health care plan where the deductible is high enough to qualify the plan for an HSA.

What insurance companies provide short-term rentals (Daily or monthly) insurance for Alaska properties and how do they compare on rates? 

@Jordan MoorheadEven though I don't have anything to sell- not an agent, mortgage broker, insurance, or trying to sell any of my properties ect, I'd avoid that type of meetup if it seems like there just trying to do an infomercial.

The formula(s) would look like:Potential Gross Income (PGI)  = full rents + any other income at 100% occupancyminus Vacancy & Collection Losses (8-10%) is typically usedequals your Effective Gross Income (EGI)Then you subtract your operating expenses (taxes, insurance, management & legal fees, repairs, utilities, lawn service, pest control, etc., and a reserve for capex) to get your Net Operating Income (NOI)From your calculated NOI, you can really start digging deep:Subtract your debt service from your NOI to get your cash flowDivide your NOI by the acquisition cost to get your cap rateTake your NOI, add the reserve for capex back in, then subtract your mortgage interest, to get your taxable incomeDivide your NOI by your debt service to get your debt coverage ratio (tells you how many times will your NOI will cover your debt/mortgage payment).

Dallas is tough due to high taxes & insurance rates, Memphis has a declining population and high crime but you should really check out other midwest cities with strong population growth and low taxes/insurance/crime rates.Hope this helps! 

Factor in their costs of business: license fees, continuing ed, MLS and Board of Realtors dues, and E&O insurance.

My final mortgage with taxes and insurance escrowed is $1387/mo.

. $600 per month each Total: $2100Listed $110,000 Tax: $166\moInsurance$176/moUtility's; $100/moLawn/snow care: $50/moVacancy:$100/moRepairs: $100/moCapex: $100/moProperty management: $200/moMortgage$462:moTotal expense:$1443Monthly cash flow: $657Annual cash flow: $7884$22,000 downCash on cash return %35I guess that's what the current owner pays in insurance kinda kills the deal a bit.

. $600 per month each Total: $2100Listed $110,000 Tax: $166\moInsurance$176/moUtility's; $100/moLawn/snow care: $50/moVacancy:$100/moRepairs: $100/moCapex: $100/moProperty management: $200/moMortgage$462:moTotal expense:$1443Monthly cash flow: $657Annual cash flow: $7884$22,000 downCash on cash return %35I guess that's what the current owner pays in insurance kinda kills the deal a bit.

I’ve asked owners for rent rolls and expense summaries, including insurance costs.