.), ]  age building (year of the most recent updates to roof, electric, plumbing, heat can help on old buildings),   limit for the value of the building,   whether it is Replacement Cost or Actual Cash Value (RC vs ACV), size of the deductible,   claims history of the property,  etc.You should get an individual quote for the most accurate rate.

His daughter is now upset that I will not return Octobers rent and is saying that electrical is my problem.

I've worked with her a bit and she knows what buildings are good and which have poor histories'.

Tragically, the Camp Fire will go down in history and people all over the world, years and decades from now will always be shocked by the destruction and pain that this fire caused.Just imagine going to pick up something from the store and not having a place to cook and eat it, because it is quite possible that everything you own and your home is/maybe completely be gone...

She told me that she did not want her apartment to be sprayed because her 20 year old daughter has asthma.  

Find out if she's willing to do that for 3-4 years, then you guys could have multiple multi-family investments, then buy a primary home in a good school district when your son or daughter is about to start school. 

Using these attributes will minimize risk.A good property management team will screen tenants for the credit and job history which will minimize the risk of the example you pointed out.

I know there are multiple ways but with great credit/credit history and little to no funds as a first time buyer what’s the top creative ways to begin?

Most lenders will not use any type of rental income generated from investment STR's that are shown on schedule C (although their are some exceptions) unless their is a minimum 2 year history shown.

I got one for my daughter and they are wicked scary. https://www.amazon.com/gp/product/B01FHG3IN2/ref=oh_aui_detailpage_o08_s00?