Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Rhode Island (RI), closings operate under a Non-Judicial (Statutory Power of Sale) regime (65–95 days-day average timeline) with a 1.4% average property tax rate and $540/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.