Hello BP ,Bad credit- pay more on car insurance, may not be qualified for a job, house, apartment or car.

I bought it with 5% down as it was originally owner occupied and it currently has a 4.125% interest rate so all for principal, interest, insurance, taxes, and HOA I pay $1,942.38 per month, which is entirely covered by the rent paid by the tenants.

Should landscapers for my rental properties be insured? 

I’ve built in 8% for vacancy (just in case, though that seems high for the area - lots of long term tenants), 10% for property management (in case I choose to use it), 1% of the value of the property for taxes annually, and insurance rates based on quotes I’ve received.

Escrow is the amount that the lender holds in order to pay for the taxes and insurance on the property.

Or should this fall on tenant 1 or tenant 2's rental/auto insurance? 

Does anyone have an insurance broker to recommend in North Carolina? 

@Mohammad Mahir Khan The first things you should really learn are the costs of owning a rental, do research on property management, property taxes, and insurance as those are all but guaranteed; then branch out from there. 

Is there a certain liability insurance coverage I should have on the commercial property? 

I have seen some insurance people say you can cover this just as well by getting enough liability coverage...which I also have (for the LLC) and may be  true.