The reality is that insurance will cover your 16-year-old's accident.

yeah it should be in the dropdown on the top right corner (your picture)

Forgive me going into details but just wanting to give you a clearer picture of our rental property townhome, which is zoned 2 family there are 4 habitable 800 square foot floors for a total of 3200 ft habitable. 

What period of time does it cover?

AND The balance on one statement is < 100 and other not enough to cover the first months rent and deposit.

Newbies always want someone to cover their mistakes when things don't go as planned.What have you done to solve YOUR problem?

Another option is to explore private lenders or HELOCs to cover the equity.

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

Once completed, I will post pictures.

I know taxes and insurance have gone up a lot in that time so I understand that problem but the solid rent increases in that time have been able to cover most of that (at least for me it has worked out).