However, it occurred to me that once you reach a certain number of properties then the standard amounts don't apply. ( 3-10% vacancy, 5-15% repairs Etc ) For instance if we own 10 properties then the chances that all of them will be vacant at the same time would be slim.

Does anyone know of some insurance companies where a tenant can cover their dog?

The high property taxes and insurance in TX are cash flow killers.

I like that one better than the FHA because you have mortgage insurance that can be cancelled if its determined (by way of an appraisal) that you have 20% equity.

Insurance is also double. 

The bigger the company the higher their overhead, the more money they spend on advertising and marketing plus workman's comp, insurance, and manytime even the vehicles and tools.

I started my "professional" career in the insurance world as a property claims adjuster/estimator and know the game fairly well.

There is insurance, utilities and your set-aside for annual property tax and upkeep.  

They will also now consider alternative proof of income rather than just your notice of assessment from CRA.Also that announcement was from CMHC for insured mortgages.

I’m about to put an offer in for a waterfront single home in Fort Lauderdale and got an estimate of 6k per year for home insurance, not IncludIng flood insurance.