Quote from @Rashid Khalil: Savannah Thank you so much for your comprehensive reply.I am using some of these measures.First issue I encountered: land trust fails to work as smoke screen, because the deed is recorded in trustee name.

I already have an investment analysis workbook built that tells me everything I need to know to make a purchase decision, NOI, COC, ROI, and if the property will achieve the appropriate coverage ratio to be funded. 

Here's a comparison of the two coverages, whether it's worth the price difference is up to you. 

Look for firms that offer comprehensive services, including tenant screening, maintenance, and financial reporting.Reading reviews and asking for recommendations from fellow investors can provide valuable insights into the reliability and professionalism of potential managers.

However, I've hit a snag with securing landlord insurance.So far, I've received a few responses declining coverage, citing:Higher crime rate in the areaThe property is olderThe age of the roofI'm a bit stuck on how to proceed.

Your coverage under this policy continues as of the Date of Policy, so long as You:i.

I'm looking for alternative quotes that offer good coverage while lowering my premium.

Hi Ron,After reviewing your situation more carefully, I have several important concerns about your insurance coverage that need to be addressed:Property Value Coverage ConcernsIf this property is indeed a fourplex with all four units being rentals under your ownership, insuring it for only $300,000 likely represents significant underinsurance.

Those are still getting hammered by underwriters.That said, we’ve had more success this year by getting creative with how we present the risk:Breaking out coverage by phase or buildingHighlighting strong roof, wiring, and fire protectionStructuring master policies for better efficiencyIf anyone’s dealing with challenges in their insurance program — or just wants a second set of eyes — feel free to reach out.

Each risk on their own should be able to find reasonable coverage at a reasonable cost.