I use BOA, they have a preferred rewards for business and of my favorites perks its a no wire fee and monthly fee.

Getting your license is a no brainer. 

I would like to inquire if there is an insurance agent on here out of New York, preferably Long Island that is an authorized All State agent or broker with All State to assist me with an umbrella policy problem I'm running into being an O/O/S investor that is buying a SFH in Texas. 

In a 3 BR it would be a no-brainer but not here. 

Just another reason to move to a no income tax state.

If you're buying for cash flow, have the money to put down on and do a great job furnishing a larger property AND you're in a market that is conducive to it, then it's a no brainer to go for the larger insurance placement strategy.

@Alfie Bartley, maybe I'm misunderstanding, but wouldn't an ARV of 55/60/65% be even better than 70% where it'd be a no brainer at that point? 

So an eviction 10 years ago would practically be ignored with an otherwise good record since, while an eviction 3 months ago is a no go.  

LOL... as you know that is a no no.

But for an O/O rent one and live in the other I have found two - One in Whittier, and one in Long Beach, that are both great O/O opportunities with 3.5% down.