Getting pro photos will take your listing to the next level! I

Your risk tolerance and over all comfort level is what should dictate what you want covered and what you should self insure for.From your comments above, and being an out of state investor, I'd suggest going with most of those additional coverage's until you get more comfortable.Good luck

I have to admit that the house does get really cold, but I'm able to endure it if I wear a jacket and fleece pants, but I know that my comfort level is different from others. 

I have some section 8 tenants and my crime level is minimum.

Remember, the balloon note is $100k, and the total flip profits from each level is $120k, so you should be able to pay off the balloon from just the  profits...and continue to use the 3 seed monies to flip over and over to infinity.Let's look at the actual cost of the money now as it applies to each property by adding up the number of properties the same funds are used (or profits from the flipping of those funds used at NO COST) on each level.  

With that said, due diligence, both quantitative and qualitative analysis at the micro and macro level is key to ensure the investment matches your specific goals.

I strongly believe in myself and prepared to work AO in the next few years 

You can use your PPC balance to bid on keywords or, if you get it to a certain level (I can't remember the number off hand), you can "buy" a sponsorship of a certain keyword or key phrase.

Otherwise use a generic AO, especially if it is just you.

I didn't do the large membership because I feel the resources provided at the basic level is quite sufficient to get me to where I wanted to be.