When picking a place for this, think about how cheap it is, how many people want to rent, the job scene, and rules that are good for the home owner.

Stop going after homeowners and start "shaking hands and kissing babies," as my old man used to call it.

Other cash such as down payment or money to fund your escrow / impound accounts (accounts that most lenders require for your property tax and homeowners insurance shouldn't be included in lender fees).

That doesn’t seem likely that the state would let that happen to a homeowner.

Keep it simple, call your local building inspection office and ask what are the rules for homeowners /investors working on their own houses.

On the Lis Pendens for this house, there is a local real estate broker listed as a defendant alongside the homeowner.

I’m helping a realtor with an open house and a prospective buyer came by because the house was on Roam, but the homeowner never had a mortgage on this house.

You should also, if your Homeowners policy paid for the remediation, find out if they are going after the Contractors.  

HOW do I approach my homeowners insurance about changing my policy, and  WHEN?

Most Homeowners Insurance policies require the house to be owner occupied.