This is especially true if you're trying to buy in the best location possible.

Now, I’m rebuilding my portfolio while continuing to help others buy and sell homes.

We were able to negotiate a buy down on the interest rates. 

It's important to narrow down on the locations and conditions of properties you're looking to buy so you can align your numbers with those expectations.

When someone buys a property using SubTo, does that make then legally responsible for the loan?

Remember, if you sell it, you'll have capital gains that you will have to pay since you are buying the other property before you sell you're old house.

(The power company in MN will offer you a chance to buy the warranty after the furnace/ac is broken and come back the next day to fix for free.)

And this is your best chance of house hacking while covering most of your living expense or maybe even cashflow if you buy in the right area.Hope this helps!

Why under $300K and where are you looking to buy. 

Even if one of you find insurance that you think covers your interest, it might be easier to buy, than cover a claim.You also run the risk of due on sale clause, because you are potentially notifying your lender in the transfer of ownership.Now I know nothing about insurance, so I could be totally wrong, but that's what I hear a lot of the nay-sayers say.