., the title insurance isn’t really free as they jack up other fees.  

Title insurance is all the same price, but the difference is in all the little add on fees. 

How does taxes and insurance work?

I figure in 12% overhead for Maintenance, taxes and insurance.   

My first spreadsheet is condensed information form my mortgage broker and lists on the Y axis (vertical): mortgage terms, rate, APR, fixed term, years, credit score, loan amount, sales price, percent down, down payment, FHA funding fee, Total Loan Amount, Estimated Monthly Payment, Principle & Interest, Homeowners Insurance (Flood + Home), Property Taxes (1.23% home price in my county), Mortgage Insurance, HOA Dues, origination fee, appraisal fee, tax service, flood certification, credit report, attorney's fee, title insurance-lenders, title insurance-owners, recording fee, verification of employment, survey, home inspection, water/septic if well, pest, 1st year homeowner's insurance premium, homeowner's insurance escrow, property tax escrow, per diem interest, down payment, closing costs, prepaid expensesOn the X axis (horizontal) I have the numbers for 200k, 250k, 300k, 350k, 400k broken down into whether it's single family or multifamily, then FHA or conventional2.)

If the title company gave you a report that had this on it there isn't much you can do, however if this was unknown your title insurance may kick in at that point.

I changed my insurance company from Foremost to Statefarm and ended up having a gap period from 10th to 27th June, 2018 without insurance.

After mortgage, insurance, everything is paid...

This is just a general question, but I see it discussed on here a lot that your rental properties are under a different insurance company than your primary residence (and other items) because usually your main insurance companies aren't great with investment insurance. 

Owner ask $950kProperty tax is about 20kMonthly rental is about $7,700Tenant pay insurance and tax increase base the first year.Is this good deal ?