Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In South Dakota (SD), closings operate under a Judicial or Non-Judicial Power of Sale (180-Day Redemption Waiver) regime (90–140 days-day average timeline) with a 1.17% average property tax rate and $610/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.