With no experience and no money of their own, it'll be difficult to find a PML who will provide you $50K to $100K or more due to the risk.

Is it difficult to get it?

Not only will it have a negative effect on landlords, I would imagine some owners of single family homes will choose to sell to an owner-buyer, thus reducing the number of rental properties on the market, making it more difficult for renters to find places to rent.

Also, the HOA fees can make it difficult for the properties to cash flow.

In most instances they aren't less costly but they do provide a solution for difficult installation challenges.

If it is due to a condition of the property (multiple losses, unrepaired damage, etc.) it will be more difficult to get a regular company to write it. 

It is sometimes difficult to leave emotion out of it. 

A new construction loan Might be more difficult to qualify for than an existing structure loan.

They are more difficult to finance than a single family or multi-family project and have a number of building code requirements that add cost and many smaller GC's who you likely will be reliant on aren't familiar with these requirements.

The small loan balance lender will be more difficult to find, but someone in your local area should know or be that lender.