Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In South Carolina (SC), closings operate under a Judicial (Master-in-Equity Referral) regime (150–200 days-day average timeline) with a 0.56% average property tax rate and $640/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.