Hi @Matt Michaelson for four or fewer units in Easton area, we typically find Berkshire Hathaway Guard, State Auto and Philadelphia Contributionship to be competitive for our clients. 

As @Karen Margrave stated the developers license catch's people off guard as I don't think any other state has that layer of licensing.. 

What other steps and safe-guards would you recommend so that I can avoid the dreaded "E"-word? 

Since HELOCs have adjustable rates they will often catch people off guard when they adjust.

I just don't want anyone to be taken off guard if they book a phone call. 

I'm also part time military (Air National Guard) and will see this weekend if I'm eligible for a VA home loan so no down payment is required on my first home purchase.

You do not want to be caught off guard at how much that property is costing you while you are also managing a rehab budget.Down PaymentSpeaking of budget, don’t forget about the down payment.

A funding fee of 2.40 percent must be paid by all eligible Reserve/National Guard individuals.I know if you are VA compensated (disability) there is no funding fee.But if you are starting out with no money down 2.15 percent of the purchase price is what you are looking at.Eg. 

Call REI Guard ..... wwww.nreig.com

Im in the Maryland National Guard, so how could i use the VA eligibility aspect of the VA Loan, to purchase a second home?