One is a DSCR loan that covers 5 properties (also a 30-year fixed...at 3.75%!).

Its not widely covered but Wright in the 2nd half of his life was completely consummed with the challenge of providing low-cost and beautifully designed homes to the countries working class.

Our insurance company (State Farm) doesn't cover flood, so our flood insurance policy is through FEMA's NFIP (national flood insurance program).

It's likely coming.That just about covers it. 

Looking at online real estate licensing courses, anything out there with continued education options that does a good job of covering creative financing?

Comprehensive CoverageBasic Coverage: Covers specific risks like fire, theft, and certain weather damage.

It's all covered in his fees.  

We have a fee for this in the lease but how do you cover for this in the lease ?

Then you end up getting harassed by some jackass who acts like he owns the place and you have to cover his paycheck.

I use one unit as my primary residence and have been using the other unit as a mid-term rental (~1-3 month stays) to cover the majority of my mortgage.