Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Mississippi (MS), closings operate under a Non-Judicial (Deed of Trust Power of Sale) regime (45–70 days-day average timeline) with a 0.78% average property tax rate and $760/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.