Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Hawaii (HI), closings operate under a Judicial (Primary) / Non-Judicial Statutory regime (190–280 days-day average timeline) with a 0.31% average property tax rate and $520/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.