I have been sued multiple times by tenants and never did a thing wrong and never lost a case.

You can go with a budget friendly option at HD or Lowes, there's nothing wrong with those options for a rental water heater.

But if you want to see the whole case fleshed out for why wholesaling is wrong, you can read this article from a while back: https://www.biggerpockets.com/blog/i-will-never-trust-real-e... 

It does seem like I was thinking about it wrong.

After refinancing, I walk away with $75,000 in cash but still have $152,000 of my own capital left in the deal ($200K + $27K - $75K).The Issue:When I calculate cash-on-cash return, it shows ∞%, but I know I still have capital tied up ($152K).What am I doing wrong in my calculations?

Are you wrong? 

Even if one of you find insurance that you think covers your interest, it might be easier to buy, than cover a claim.You also run the risk of due on sale clause, because you are potentially notifying your lender in the transfer of ownership.Now I know nothing about insurance, so I could be totally wrong, but that's what I hear a lot of the nay-sayers say.

Don't get me wrong, it could get worse but I wouldn't freak out yet.

"I've never had anything go wrong at my property.

Someone tell me if I am wrong, would love to talk to your lender who can do that, lol.