Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income. 

I completely understand why that clause is there and I'm happy to have it for many reasons including protecting my tenants and my property from damage, etc.

Many billionaires and celebrities own property there, including lots of Americans.The infrastructure is top notch.

I appreciate it.Aside from the option to be added as 'additional insured' they have the option to purchase a  "ProtectionPlus Bundle' from Surevestor, which includes several things like protection against eviction costs, wilful damage to property, over a $1 Million third party liability protection, loss of rent protection for 25 weeks etc.This is $50/month.

It may be a little scary but if you go higher on your purchase price, 400k and up. 

For example, if I talked with a PM company and I like what I hear and intend on using them but I have not purchased a rental property yet. 

Quote from @Caleb Brown: Someone else asked but what would market rents be including the extra storage?

I am using the BRRRR Calculator and was wondering if Homeowners Insurance estimate was included somewhere or if I had to manually enter it somewhere? 

I purchased a single family to rent out the rooms and it sent my finical plan completely off course because I was not as ready as I previously thought.

I know that interest on the acquisition loan can be included in the cost basis since it’s inventory.