Long term commercial debt lenders make adjustments but does not generally follow that.For high quality assets i am currently seeing about 4.8 percent for 10 year debt. 5 year fixed I am seeing about 4.5%.If a life insurance company they can go lower on rates but want minimum 35% down and more picky on the properties to lend on.Seller financing can be great BUT just remember to not way overpay for an asset just to get that.

He told me he had a mid 6-figure insurance settlement pending and was eager to get finished with physical rehab and get 'normal'.

Can anyone recommend Insurers in the Kansas City area, for properties that are vacant, and/or under rehab? 

I've been using the same insurance agency for many years, but they recently changed the company name and staffing. 

Make sure to have it recorded and get title insurance or at least check title. 

I am new to the game and am trying insure that I am able to accurately calculate ARV's.

I bought a 3-unit residential property and met with a local contractor (insured, bonded, good references) to discuss doing the renovation of all 3 units for me.

So, how do you make your property more insurable?

If you can meet the numbers you have presented then you have a good chance of making it work.The PMI amount is in addition to PITI (Principal, Interest, Tax, Insurance) payment.  

Make sure you understand your insurance policy on the home.