Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In California (CA), closings operate under a Non-Judicial (Deed of Trust — Civil Code §2924) regime (120–135 days-day average timeline) with a 0.75% average property tax rate and $510/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.