Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Utah (UT), closings operate under a Non-Judicial (Deed of Trust — 3-Month Notice of Default) regime (120–140 days-day average timeline) with a 0.57% average property tax rate and $430/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.