Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Vermont (VT), closings operate under a Judicial (Strict Foreclosure or Judicial Sale) regime (200–270 days-day average timeline) with a 1.83% average property tax rate and $470/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.