When you do move them to commercial / portfolio, you should have a decent DSCR ratio, debt service coverage ratio and therefore get better terms with your commercial lender. 

Only phrases such as "tremendous" and "believe me" are comprehensible.  

This is by no ways meant to be comprehensive or legal advice, especially not having studies New Mexico laws.

That level of expenses (assuming they are comprehensive and accurate) is an expense ratio of 55%. 

The cost of the insurance under the LLC is also more expensive and some with not provide the liability and hospital coverage. 

If you chose to pay out of pocket that is your choice....you choosing not to file a claim is the same as them choosing not to carry full coverage.

Jorge,Actual Cash Value (ACV) and Replacement Cost (RC) are the primary ways Insurance Policies value the coverage on Buildings.  

As the insurance had Lost Rents coverage, I was still at 1/72 unit-months and still no losses.

Comprehensive Tenant Screening (including credit checks, criminal, employment and rental verification)Comprehensive Accounting (these services are available for online inspections by clients)Legal ActionsHVAC ServiceOnline ApplicationsOnline PaymentsDirect Deposit of Owners ProceedsLandscaping ServicesComplete Turn and Remodeling ServicesWebsite Presence

Based on my experiences thus far, I am paying a premium amount for insurance coverage on all of my properties with oil heating.