Maybe it is more difficult if the damage was more serious like fire or flood but it goes same with any insurance claim.

Here are a few things that I like about the neighborhoods in Indy compared to other states: high rent-to-home-value ratio, consistent and gradual city development, relatively low property tax and insurance cost, affordable renovation service cost.From my experience, it's possible to find deals that meet 1% rule if you invest in *turn-key* duplex or SFH here, but they are harder to find, and could potentially slow down you from scaling up.

The mortgage was also raised due to insurance issues to about $1,950… so I am not making much cash flow, more like a cash trickle.

Do they have insurance and property tax reduction reports in their study?

Investment product marketers who claim to be GPs, GPs who claim “ownership”, insurance salesman who claim to be “financial advisors”, people who attended an executive training program claiming to have an MBA, what ever happened to honesty?  

That is just the loan payment and doesn't include your insurance and taxes like a typical mortgage payment does. 

Same answer whether you borrowed against your residence or against your rental A or against your life insurance or from your family or from any other source. 

Just make sure you account for Denver’s higher property taxes, insurance costs, and the ever changing landlord regulations when running your numbers.Feel free to ask more questions about the area or strategies—I’ve helped clients with similar goals and have personally done house hacks and short-term rentals around Boulder and Denver.

Home prices are one, cost of living and relatively disaster-free weather keeps insurance costs down.You can look up the median home price for every city or metro area.

I forgot to add that the insurance and tax is included in my mortgage of $2,005.