I’ve always loved Asheville and would love to meet with local realtors or property managers who could sell me on investing in the area and help guide me to a smart purchase.  

Between the time associated with making the investment, tied up capital and associated stress involved, even if the investment breaks even or produces a small gain most would look back and wish the money sat in their account until a better opportunity presented itself.

That will influence drastically the LTV and interest you will be able to get. 

Quote from @Bobby Paquette: Is anyone in the Abilene Texas Market?

What you are trying to cover with the umbrella policy is the 'slip and falls', which can easily be a million dollars or more if you are found liable.

Contact the zoning department and see if you can get the property rezoned as a duplex.

Purchase price: $216,500 Cash invested: $12,750 single family home, purchased w/ the intent of $50-$100 cashflow monthly.

On-marketI negotiated a seller financing with the seller, and he agreed to my terms.

Thanks for the replies. 

Solid SFH house in the appreciating location with 10% off from the initial listing price.