Mortgage Question

[Aaron Millis]

Forgive this possibly dumb question - I'm still very new I am having a realtor send me properties from the MLS so I can practice analyzing potential deals. I just read "the book on rental property investing" and plan on re-reading it.. But I specifically remember in the analyzing chapter he talked about all of the expenses you need to consider such as mortgage, insurance, taxes, etc. My question is - Do some/all mortgages already have property taxes and insurance and other things already thrown into them? Because I've been using mortgage calculators, and I just pre qualed for my VA loan and I've been told that my monthly payment would be "****" dollars including insurance taxes etc. Is all of that just part of the mortgage? Or do I also need to brace myself for paying taxes and insurance completely separate from that? Thanks