For example, for insurance, maintenance & repairs reserve, utilities, and PM, i generally assign 10% of the monthly rent to these. 

I have a different insurance company handling each state. 

Does anyone have experience with Business Interruption Insurance? 

Key factors include state income tax, property tax, insurance cost and landlord favorable regulations.

OURS is the lender.THEIRS includes the additional third party charges from others required to close this transaction... title company for sure (closing + lenders title insurance) and it's possible that outside attorneys are preparing your loan docs.

Next to it you can find the taxes, insurance, and any HOA fees. 

So they can't insure until April 2019.

However, you have to include taxes, insurance, CapEx, repairs, etc. 

From my moron contractor that lied to us he was licensed in plumbing and electrical.. that did all the wiring and plumbing and then covering it all up with sheetrock, trying to scam the city into thinking no one touched electrical, to not ever having a single inspection done, then stealing money from me, and running, and buying the cheapest material.. ever!...

I purchased a property and lived in it for years before I changed insurance companies and it was revealed that I wouldn't be insured until the Federal Pacific circuit breaker was replaced.