Here in RI, the lead requirements seem to be less strict than you - and not an issue for insurance, especially for owner occupied.

One reason I am a fan of house hacking and the low down payment is how strict it makes the deal requirements. 

I am in search now from more of strictly investments.

My wife and I are going to BRRRR this property but the mortgage lender is saying that since im a first time landlord there are more strict rules with financing.

Credit cards can be a great tool for building credit and reaping the rewards, but they require absolute discipline and strict self-imposed guidelines to be genuinely beneficial.Kinda rambled there for a bit.

Cash on cash is a performance metric strictly about residual cash on a single year.

I would encourage putting your emotions about the home aside and viewing this from a strictly financial perspective - Are you really better off in the long run trying to keep this home?

Andrew, looking at this strictly from a real world perspective, family and money is akin to dancing on a minefield. 

Setting strict standards up front sets the tone of what they can and cannot get away with.

I would be more likely to partner with other investors than to strictly lend.