Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Illinois (IL), closings operate under a Judicial (Illinois Mortgage Foreclosure Law) regime (210–300 days-day average timeline) with a 2.08% average property tax rate and $560/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.