These carve-outs are typical in commercial real estate loans, including those backed by Freddie Mac, and are designed to protect the lender without necessarily compromising the loan's non-recourse status under IRA rules. 

Based on the Insurance Market in FL now, you may want to check on both options.Those policies are designed to provide Property and Liability coverage together.  

Their business model is designed to scam homeowners for months on end and since it's an LLC the owner is legally protected.They will ask you to waive the first months rent and security deposit, once in the house they will refuse to pay, give you fake numbers or tell you to call someone else.

I do have experience in web development, search engine optimization, writing copy, advertising, design, and user experience.With the rough numbers that I have so far, replacing and exceeding her income appears viable - Of course this is with financing, and a trusted friend joining as a partner. 

I know that you need the survey, you need to design what is going in the flooday, You need to design how you are offsetting what are doing to get a zero rise certificate, you need to get the FEMA floodway model and then have someone do the software run and make sure that you have zero rise and mybe tell you that you need to change more, but that seems to be mostly internal design and engineering?

Sometime in the future, there will be a new innovative design that will replace the current open floor plan trend, but it certainly will not be anything resembling what we had back in the 70s and 80s.

Separately - if anyone knows a digital interior designer would love to pick there brain for an hour and obviously willing to pay. 

For example look at the zip code you are building in, for a recent new build in columbus that we do since miami is expensive we pulled all these stats: Zip Code Statistics: 43206Housing Units Delivered: 8 Average Sale Price: 642,875Median Sale Price: 505,000Average Price Per Sq Ft: $316.40Average Square Feet: 2172 Sq FtAverage Bedrooms: 3.25Average Bathrooms: 2.75Average Days on Market: 138We design the house around this, around the lot, around the neighborhood, from scratch and try to pick a long term build design that will do well.

The 4 bed vs 3+den designation won't have any effect on the home's value, or the rental income.

With that information you can then adjust based on your design's location, size, complexity, and finishes, subtract off what you think your materials savings are, and then voila, there's your estimated labor cost.The cost/sf question gets asked all the time on the BP forums so there are already a bunch of responses out there.