The locksmith probably doubles the price for markup.

Up in the right corner near your picture there is a magnifying glass.....

But double check with a CPA on that.

This can hurt you financially, and it can hurt more than tax savings.I'm all for tax planning, I do it for a living, but don't lose the bigger picture while focusing on taxes. 

We also sell some of the duplex as 1/2...so sometimes it is listed as duplex, the pictures make it look like duplex, but really it is 1/2.Another strategy might be to buy 1 with 5% down, live in it a year, then move to the next one as a primary and use 5% down and repeat as long as you can...and of course if the numbers work. 

We take title to them in a double close and do all of our deals with Cash or Hard Money only.

I would then wholesale it through a double closing from the seller to my wholesaling LLC, then have the final purchase done by my hold co.

If I rent out three bedrooms at 600 each, that is double what I would be getting.However, it seems that renting out rooms separately isn't permitted unless you actively live there with the property as a primary residence (not sure on this point).

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If insurance won't handle it, then I recommend you document it heavily with pictures, dates, etc.