Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Washington (WA), closings operate under a Non-Judicial (Washington Deed of Trust Act — RCW 61.24) regime (125–150 days-day average timeline) with a 0.88% average property tax rate and $450/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.