Frequently Asked Questions

---

Real estate investors are often looking for properties that can generate a good return on their investment, whether that's through rental income, capital appreciation, or a combination of both.

The potential return on investment for a property depends on various factors such as the purchase price, financing costs, rental income, operating expenses, and potential appreciation in property value. To calculate the potential return on investment, real estate investors typically use metrics such as cash-on-cash return, cap rate, and internal rate of return (IRR).

Cash-on-cash return is the ratio of annual before-tax cash flow to the total amount of cash invested. Cap rate is the ratio of the net operating income (NOI) to the property value. IRR is the rate of return that makes the present value of cash inflows equal to the present value of cash outflows.

Real estate investors typically aim to achieve a return on investment that is higher than the cost of financing and inflation, and that meets their investment objectives. The potential return on investment for a property can vary depending on the property type, location, and market conditions. Therefore, it is essential for real estate investors to conduct a thorough analysis of the property before making an investment decision.

Real estate investors need to assess the risks associated with a property before making a purchase. This can include factors such as the condition of the property, the location, the tenant profile, and the financing options available. Understanding the risks involved can help investors make a more informed decision about whether or not to invest in a particular property.

Real estate investment carries several potential risks that investors need to assess before making a purchase. Here are some potential risks associated with real estate investment:

1. Market risk: Real estate values may fluctuate based on the overall economic      conditions of the local and national market. A downturn in the economy can      lead to lower demand for real estate and a decline in property values.
2. Location risk: The location of a property can significantly impact its value and      potential income. Factors such as neighborhood safety, access to      transportation, schools, and other amenities can affect the property's appeal to tenants and its value in the market.
3. Financing risk: Real estate investors often finance their purchases through loans,      which can carry interest rates, fees, and other costs. Fluctuations in interest rates or the availability of financing can affect the investor's ability to generate income from the property.
4. Tenant risk: The type of tenant occupying a property can also affect the      potential return on investment. Vacancies, non-payment of rent, and property damage caused by tenants can all negatively impact the income generated from a property.
5. Property condition risk: The condition of the property can also impact the      investment return. Properties in need of extensive repairs or maintenance can be costly and time-consuming to bring up to standard, which can delay or reduce the income generated from the property.

It is crucial for real estate investors to evaluate these and other potential risks associated with a property before making a purchase decision. By doing so, investors can make informed decisions that maximize their potential return while minimizing their exposure to risk.

Real estate investors often use financing to purchase properties. They may want to know about the interest rates, loan terms, and other financing options available to them. This information can help them determine the best way to finance their investment.

Every business is different. At minimum, most need general liability and property insurance. But if you own property, manage crews, operate vehicles, or take on contracts, you may need additional coverage like builder’s risk, commercial auto, or umbrella policies. We’ll help you assess risk and build the right coverage strategy.

Not at all. We’re a connector—not a captive agent. That means we build custom insurance solutions through our extended network of carriers. You get options, flexibility, and pricing that fits your business—not someone else’s.

In many cases, same-day quotes are possible. With the right info, we can secure competitive commercial insurance terms within 24–48 hours—sometimes faster for urgent projects or contract requirements.