You notify them you will be purchasing the policy for them and doing so with their security deposit money, if state law allows it. 

Eg, i have a friend/client who determines it based on income vs PITI.

All of the partners I've onboarded over decades start out great, only a small number will go the distance.

Title III of the ADA requires the removal of architectural barriers in existing facilities unless it can be shown that removing the barrier is "not readily achievable."

I will make that proposal to the person I am talking and see where it goes.

Once you start to get people in there to look at project to project, that will give you a baseline then you'll start to gain more knowledge on where you need to be on the pricing/estimates etc.

Don't look for lowest rate, look for lowest cost on fees as you will either refinance out of that loan or sell- the prepay will hit you on the back of the head like a cinderblock wall.

I think the 0% origination will be challenge.

Not every house is meant to be flipped by us.

The property itself should bring in revenue ( even if you choose not to live in one side) and generally a bank will accept a portion of that rental income into the calculation.