Reserves:Most lenders will ask for 6-12 months of reserves to ensure that you can cover mortgage payments if you face financial hardships.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

If your policy doesn't cover flood or wind and the loss of income is caused by flood or wind you aren't covered.  

There's a course on Udemy now that covers more than foundation but goes through the process of how to get leads, convert them to clients, and how to get the unclaimed funds - showing you how to start your own overage business.

It seems the most likely issue is simply having your personal names as the deed holder listed in a complaint although again, based on what you shared about your sound operations your insurance should cover any claims that would arise since you wouldn’t be triggering any coverage exclusions.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

Does anyone know of any options for covering the structure until it is complete?

Pay off first and add a new mortgage covering both properties?  

I’ve talked with yellow letters for mail outs, so that’s covered, but what about cold calling?

I understand certain neighborhoods in America will be heavy to section 8 and its preferred as the market tenants tend to not pay .