General Liability (Bodily Injury & Property damage) - your clients may be able to add you as an additional insured 3.

You might call your Insurance Company and just ask them.....Are they wood or metal?

. - I created a picture of a fictional "perfect" fund that met all of my criteria. - Because nothing really came that close, I ended up just buying notes directly.

A metal one, or wood?

Apt 2 rented at 1300/mth (2 bd)I would call the rentals B-/C because they are in a giant metal shop and low grade materials.So gross income of 76K annually.Expenses:Insurance is currently $14652 annually but that seems way too low when SFH go for that muchTaxes are currently 2800/yr, but I expect those to nearly double if I pay his asking price (so let's say 5k/year.

CGL coverage will cover property damage, personal injury and  bodily injury but not many other issues that often arise, particularly during construction. 

A metal object doesn't care if it is 20 degrees with still air or 20 degrees and windy. 

Yes correct, on all of that  Rehab I can do it all built houses all my life,Work for a sewer excavation company currently   sewer mainline needs fixed if I want to flip it $7,000Roof I would redo ($4500) has metal on it now but looks original Vinyl windows ($1500)I haven’t seen inside of it yet, but renters been there 15 years so kitchen remodel $10kAnd then possibly bathroom and flooring.

The spiral metal staircase leading up to the front door was so steep that after a month our knees were in pain. 

General liability only covers personal injury, bodily injury and property damage, not the existing building.