They must be very low odds because insurance companies are in the business of making money, not paying out maximums.Nathan-Every state has different laws believe it or not. 

Perhaps you are talking about something different.

I am not sure what the means for insurance payouts, replacement value and property value are VERY different - does anyone know?

Nomad also held the renter's deposit hostage even after I cleared the transfer with no damages to be charged.I had to remind Nomad there is a difference between “can” and should” , while you “can” hold a deposit longer it “should” only be done when there is a question about damages.My bank liked the guarantee, the disorganization inside Nomad and the horrible vendor management would cause me not to use them again.

I'm now considering expanding my real estate ventures into building custom homes, but I know this is an entirely different beast between the required capital, learning curve, time committment, etc. 

That may differ by state.

Actually I talked to 6 different multi family mastermind groups.

You can hire a few different virtual assistants on a website such as Upwork.com, train them on how to skip trace, and stick with the one that is the best. 

No way to say for sure since each lender is different and I have no idea of the terms you need or your FICO, but it is typically the prime rate plus a couple of points.

Each municipality is different and what's allowed will be based on your exact zoning.