There's no guarantee I won't get killed in a car accident, God forbid--but best believe I wear my seat belt every time! 

And even an estimate will get you close given the others are going to be almost dead on).My FIRST income property was by accident (a townhome).  

Regardless, I'm not looking a realtor to send me listings but I appreciate the offer.I'm looking for an online property search resource, which provides auto emails of listings in South Florida as they come on the MLS.

Set-up auto deposit to account and monitor for late payments.

But, yes, you have it correct in the way you described it, however you don't count auto insurance, but you do count home owners insurance and landlord policies, anything related to mortgages. 

Here's what is to the right of my MF hold model, I call it Risk Analysis, and it is auto-generated based on the metrics in the completed A&D model I previously replied with:This shows me how the deal will pan out should a variety of key-metrics change on me during the project (zoom in to right-side of image above, not the model I sent previously).

The insurance; general liability, E & O, employment practices, cyber, criminal, non hired auto policy and the list goes on and on……… 

Accidents happen and sometimes things wear out or break.