If you have pipes run in insulated cavities or runs that are mostly beneath ground level, I wouldn't be too worried as the ambient temperature wont drop as drastically as the exterior. 

I noticed that on the filing, they also included the US Dept of Treasury as a defendant so I did a judgment search at the state and county level. I

@Jessie Redd what your experience level is does matter to a lender.

As far as "protecting the buyer" I'm not sure what you mean unless you assigning your buyer back to the seller (we call that an AO if you haven't had a chance yet to read my Amazon Best Seller - Real Estate on your terms). 

Yeah, it can be tedious and the stress level is high, but I love it. nice to meet you.

If any of you happen to have any deal term sheets, and could share with me (blank out any sensitive information if you need to) and investor proposal powerpoints, please do inbox me and Ill send you my email address.I think their sophistication level is at amateur and to deal with these LPs it needs to be at high level professional.

The second level is the common area with the living room, 1/2 bath, and kitchen.

Pushing yourself to the next level is key.  

The market for rentals at that level is incredibly small.One option would be to sell this place and apply the profits towards a multi-family property to house hack.

Liability insurance at some level is included with most policies, but the limits are lower than if you add specific liability insurance.