In my experience, many insurers consider a property vacant if no one will be inhabiting it for 30 or 60 days (depending on the insurer). 

We then send someone on our team to do the same process and immediately contact the tenant with any damage we find to confirm it- Our rehabs are still moving along, but it's tricky when the unit is inhabited. 

Keep in mind though that you will want to keep your DSCR (Debt Service Coverage Ratio) above 1.25, so as to not inhabit your future borrowing.

I know a guy on Dyess who is retired, works on base as a civilian, does REI and is a licensed Real Estate Agent there in Abilene. 

But when I explained my track record and how hard money is fine with stuff in inhabitable condition, they gave me the ok to put in an offer and I've picked up two that way.....So even though hard money is NOT cash, that doesn't mean you can't educate the seller so they get the same warm and fuzzy that its fairly close to cash.

Some of the higher ups knew of my troubles and recommended that I talked to a particular Chief in the unit who happened to be a professional financial adviser on the civilian side.

The judges has to rule in your favor unless the living conditions in the tenants apartment is inhabitable ( rats, mold, ceiling falling down, etc).

Civilians get 2 out of 5.  

So welcome to the civilian world and you've chosen a great investment vehicle!  

You buy it "as is, where is" and get all of the inhabitants with it, like cockroaches, termites, bedbugs, rats, you name it.