So my expenses I been finding a good range to do is 37% of the rent, so For this deal I do 1250- ( vacancy 7%=87.5, capX 10%=125, maintenace 10%= 125 managment 10%=125)  all equal to 462.5- ( P&I + insurance+ taxes) 632= 155.5 cash flow off my numbers.

That exception is that the warranty deed and title insurance will include an exception for the loan being taken subject to.  

The current owner is leaving money on the table by not offering truck rentals, current rents are 9-11% below market, low tenant insurance participation, etc. 

I'm trying to find the best insurance option and it's getting confusing. 

We live in a revters town.If I get these homes I am thinking I can do two things.One if course is to rent them out and from the rent save the taxes,insurance, cap ex, vacancies, and repairs included.

Hello BP,Recently my roof contractor met with an insurance adjuster for the claim that I initiated.

I currently am a partner in an insurance brokerage and have been in the insurance industry since 2005. 

For the two units water/sewer/trash if she pays it, will be around $150 ($75/unit) and property management will be around $150/month (if she doesn't have turnover) and insurance is $70 ($35/door) that leaves her 255/month for all maintenance/vacancies/and saving for capital expenses.Let's assume she has a stunningly low maintenance and vacancy rate of 5% per year combined for several years running so subtract another $100/month.

I would rather get a good insurance, and make a election for QJV.

Eventually building a team will be essential to your success- Lenders, RE Agents, Property Managers, Insurance Agent and then building your inner team if you decide to form an LLC or something- Money partner, Contractor, Etc.