I'm not a fan of 100% debt because of the consequences of deals that go bad. 

She should have some consequence, or at least some inconvenience, for lying. 

I suspect they are not going to take any risk for a few hundred dollars in title and escrow fees so they will stick to their 2 year minimums.there is a company in CA I believe that specializes in insuring these..i checked into this on a lot I had in Charleston SC that I was having a hard time getting insurance for.. but when I read there policy it was clear .. no lender ( construction lender ) at least a bank would rely on it.. and I highly doubt a reputable mortgage lender would rely on that title insurance..

Any reputable QI would not let you do that hopefully. 

Better for gaining a reputation as a landlord that will work with their tennants rather than one for being a hard ***. 

Consequently we've stayed in a lot of STRs.

A reputable - reliable - affordable contractor(s) is very important, too.

Not sure why you are "afraid" of that - there should be no negative consequences of starting depreciation in 2017.4.

You certainly don't want the reputation of someone who is not true to his words verbal or written.

. ;) That being said, make sure you find someone reputable, bonded, and insured.