Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Louisiana (LA), closings operate under a Judicial (Executory Process — Confessed Judgment) regime (90–150 days-day average timeline) with a 0.56% average property tax rate and $890/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.