Normal wall assemblies require tons of different products like lumber, drywall, insulation, sheathing and siding to meet these needs.

It may look like you are overpaying on it on paper but if you buy nice product in nice locations you will appreciate and be well occupied at the same time in my experience.  

I think it's something like "supplemental lines"  where those providers fall outside the normal providers somehow - which gives them price permissions to charge more for their product - but at least you get the insurance.  

I'd avoid apartments or any costar product for that matter.

With 30% down your options are thousands of lenders.Why is it unwarrantable- master policy not enough coverage; low occupancy rate; HOA reserves; cannot be rebuilt or repaired; pending lawsuit in the less than 10 year after built for construction defect; flood zone with no flood policy...?

@Gino BarbaroWe are buying smaller BTR product direct from builder at completion - typically projects with 10 to 20 duplexes per property.

I am open to other lenders and products, But currently seeking funds of $467kOne of my goals in Real Estate is to acquire and manage homes in my hometown.

We use a product called Vital Oxide in our flips to neutralize odor and disinfect.

But if you look at annuities, they are an insurance product, not as much an investment product.What insurance companies do with your money you invest in their annuity is put it in the stock market and keep the difference of what they pay you and what they make in the stock market.  

You may want to opt for a different loan product other than FHA.