Your insurance is going to be highly variable and I wouldn't use what an agent or the seller tells you as the cost of dwelling policies have increased substantially over the past few years due to rising new construction costs. 

But understand that I was a new investor and trusted them in taking care on a lot of these things because I knew my due diligence might be faulty because of my lack of experience.so I completely disagree to your points here on siding with them  I don’t agree with you, I could have just gone on redfin and bought a turnkey or asked an agent in Akron area to help me get one. 

- However, I’ve seen general Fannie Mae guidelines that suggest if substantial improvements have significantly increased the property value, you might be able to request PMI removal earlier, provided the LTV is 80% or below.

Any of the above kills the STR loophole under this "substantially all work" option for material participation.Is there a way to qualify if all my outside help was a cleaning lady for 2 hours?

While the profit wasn’t as substantial as I expected, the experience was definitely worth it and has given me valuable insights into the business.

If the amount was substantial, I very well might make a payment arrangement with them. 

The Buffalo project mentioned by Jeff has been substantially delayed but is very likely to get built and perform.

The home prices have gone up substantially in recent I was expecting “forced” appreciation, but not to the extent of the market.

I've heard from others that the market drops off substantially in October and November. 

In fact, I see the housing market in the metro picking up substantially.