Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Texas (TX), closings operate under a Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) regime (35–55 days-day average timeline) with a 1.68% average property tax rate and $780/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.