I have done dozens of flips - a few hints: First of all - I want to say that I don't do any actual physical work on a flip.

I’m building something that will handle that plus physical mail out of the box because the rest of the options out there leave a lot to be desired.For that kind of customized system you should hire someone to build out a custom Podio system for now (that’s what I’m using in the meantime as well)

Soooo...our thoughts were, does she have to be physically living in the house during the loan process to get the refi?

I kept dragging my feet for about a week.Putting my offer in a week earlier doesn't meant that it would have gotten accepted but it means it would definitely have had a better chance.I'm hoping i can get the help of experienced folk on here to maybe show me what numbers seem off and what i could do better next time.P.S i am looking at another property at the moment and as soon as i physically see it with my contractor i will do a deal analysis asap.Also, just to add, i am looking to house hack with a 203k FHA loan and the purchase cost and rehab will be bundled into 1 whole deal.Thanks!

Next, if no virus exclusion, the carriers will claim there's no "physical damage", hence no coverage.

How do I physically do that?

Just stick with the word passive.The pros for purchasing a passive investment, not a REIT or some indexed fund bs like some will suggest, but the pros for actually owning a physical property yourself and doing it passively, is the fact that you can get started building a portfolio without having the three prerequisites listed above.  

-you will have to use a bank or credit union that has a physical location on the island. - It takes roughly 60+ days to close. roughly 30 days for the bank, and 30+ for the municipality to sign and stamp.

Then, if I end up selecting them as tenants, I get a physical copy of their SS card. 

Not to mention, If I had a more physical or non-desk job, I don't see how I would have scaled from 0-42 units in 1.5 years.