However, after the assessor's visit, they concluded it wasn't covered, interpreted the terms and conditions differently, and I received no payout.

If you're okay with less returns but lower risk/work, you can simply cash out refinance now without doing any work since it's rentable.

To make a lot of money as a PM, I think you've got to make compromises that I'm simply not willing to make. 

All of that's great, but at your age, the biggest benefit more than any specific strategy is simply ... time.

Are you asking simply for operational perspective?

Real estate in any form simply is not that complicated and you would spend less just paying an attorney by the hour to fill in the holes for you or  a really good RE broker.

Even at that I do face economic challenges and pitfalls, I am not protected against future rate changes.It can be done, but it’s definitely not as “easy” or as simply lucrative as many guru’s teach.

The method is simply different.

Simply providing information pertaining to legalities.

So, if mold simply develops over time and has nothing to do with a claimable situation like a pipe bursting, it won't be covered at all.Beyond that, there is likely a sublimit for mold as mentioned by Ken IF there is coverage at all.