Do I need to get a commercial insurance policy  or can I just get two separate Landlord Renters Property Insurance for each building since both buildings are under 4 units? 

Know your responsibilities as a landlord instead of acquiescing to every request or complaint.

.- Analyze Comparable Properties: If you’re working in a specific market, reach out to other landlords or property managers with similar assets.

Arizona is more landlord-friendly, and I’m familiar with the area, which makes it appealing.For those with experience in either market, what are your thoughts?

My advice would be to shop for a PMC as an employer the same way you would if you were a landlord. 

Have you ever heard of a Landlord being sued by a Tenant and losing property?

Since you're wrapping up paperwork, make sure your lease terms are solid, get the right insurance (landlord + homeowner), and set aside some cash for future repairs.

Which ok, I get it, ACH cost money, BUT, RentRedi does not give the landlord the option to pay that. 

The area is fairly landlord friendly.  

Here was one of the highlights "if a landlord knows that a property is subject to flooding, then they must share that information with potential tenants prior to signing the lease agreement.