(of course this can be remedied with title insurance which is part of your vetted team)2) Don't understand the Time Value of Money and how discount, terms, face rate of the note, an time all play into calculating a true yield, ROI or Internal Rate of Return. 3) Don't want to put effort into researching and fact checking before presenting a deal for consideration.

My goal is to remove the existing mortgages from my personal credit into the LLC where we have landlord ins and an umbrella policy.

So I closed on on the property last Friday and discovered in my closing  disclosure I was going  to PAY for Title Insurance,  Settlement fee, title search fees and lean search fee which racked up about another 1k on top of my 15k of commissions. when I questioned why I was paying this my realtor said it that is this was normal practice for the seller to pay this??

They come with their own tools, experience, insurance, licensing, and continuing education.

Have talked to a few and they are willing to lend on the property, the concern is that with such a high commercial %  that MI company won't insure.   

On a rental, find what the property would rent for per month, multiply it by 12 (annual Income) and then subtract taxes, insurance, holding costs, (whatever else you account for) and divide by your offer price to get your net ROI.

. - Title Company:: In the purchase agreement the seller should be required to provide an owners title policy insurance.

My other question is if anyone recommends an insurance agents in the nyc area who can write a policy for my situation if i did airbnb for the rental unit?

Even under RESPA if the seller is paying for title insurance for both the buyer and the lender, they can dictate the title company.

All good- I send them a .pdf sample copy of the lease and policies for review.