Many times they’ll accept agreed value or proof of 100% replacement cost coverage. 

A few things to focus on: make sure the property is fully compliant with local licensing and safety codes, plan for sufficient staffing (especially backup coverage), and consider the layout and accessibility for seniors—ADA compliance and easy navigation are key.

Is anyone having trouble getting insurance coverage after filing a couple of claims?

If you can get to around 30 units you can get a commercial policy and save some serious money on coverage.

Until then, good insurance + umbrella coverage often works.- Scaling: The BRRRR model is all about repeatability.1.

@Manuel Llanas I'd probably keep the cash flow that you're getting from the asset and supplement that with your VA disability pay.

Being a corporate entity means we have 24-7 coverage because we operate on a departmental construct.

For investors transitioning from flipping houses to holding rentals, a Debt Service Coverage Ratio (DSCR) loan is a powerful tool for refinancing because it qualifies borrowers based on a property's cash flow, not their personal income.

That does not extend any coverage to you, but it does include you on all policy communications including cancellations. 

VRBO does have in-house guest damage insurance which we liked but Waivo offered more coverage for less cost so we went with that.