here's a contrarian view - run the numbers, sometimes it might make sense to not carry insurance.If you're diversified enough that one property burning down won't really bother you that much and no plan or need to rebuild, then why bother with insurance?

Real expenses include depreciation, repairs, maintenance, vacancy loss, leasing fees, management fees, accounting fees, legal fees, all fees necessary to carry out an eviction (if necessary), postage, office supplies, HOA fees, landscaping, make ready upon tenant move out, etc.

But you will have to do this in your personal name (conventional loans only for individuals), and will need to be able to carry the PITI of the new property in your debt ratio without receiving any credit for the rental income (due to lack of 2 years of experience, as I was mentioning.).

Engineered wood is so popular and places like Home Depot and Lowes have such great selections, you might go to one of them and see if they carry that brand.

The private investors I work with generally go 70% LPP (this is for buy and hold)* Points - I've seen them range from 3-6, depending on the other terms.

If indeed the option is schedule A, how can I carry it over to the future?

You may want to seek out some private funds as well from friends, family and associates but make sure you do your due diligence first.

I'll be waiting for your private message with email.

In the country they don't carry quite the stigma.

I am happy to answer all of your questions, but I'd like to do it in a private message.