It goes on to discuss the violation of this stipulation and how money will be collected.

Many also stipulate that for DUPLEXES, no prior management/rental ownership history is necessary, while for 3-4 unit purchases, it is.

I would say look at the stipulations of the lease that you inherited when you bought the property.  

However, make sure to include in the special stipulations that the security deposits be refunded and rents pro-rated at the time of closing.

A stipulation is that I live in the property for at least 60 days.  

If contamination is confirmed or suspected, the buyer can stipulate that any previous liability still resides with the seller or previous owner.

There is a way to have a co-signer who does not live in the property, but there are stipulations on that and I'm not sure if that's what you're asking about.

However, I believe there might be a stipulation with FHA that a max of 25% of the property can be commercial since it is a residential loan.

I also believe that too many people are approaching the House Flipping business 'willy nilly' and should be well versed in the legal requirements and stipulations that come with operating a successful, responsible business.

Yes, it can be challenging for investors when it comes to insurance as many standard companies have stipulations on the age of many things, roofs being one of the most commonly scrutinized.