Currently there is that extremely thin, hard, cheap landlord carpeting (and also an area with cheap thin stick on hard tile squares). 

(We're from California as well) Everything has been extremely smooth so far and their staff has been excellent with their customer service. 

I am hoping this number is extremely conservative given that our contractors, inspector, and realtor walked it as well. 

They just cost me a deal, and they are extremely unprofessional and unorganized, I'm not sure. how they are in business.

Hey Rachel,I can't help you because of the location but you're going to have an extremely tough time finding insurance for that type of risk. 

However, from my research, it's extremely difficult to find any cities where the properties cash flow other than places like Cleveland which has its own set of drawbacks.

Wholesaling teaches you an extremely valuable skill in RE: How to find off-market deals.

First you have to face the local municipalities & will be extremely difficult to get the zoning approved. 

It is extremely hard to find programs for 0 experience simply on the 1-4 unit side of ground up construction. 

Hey Santosh,As of right now you're extremely exposed regarding insurance and I'm going to assume legally as well.If the home isn't registered as a legal multi-family with the town that's something you'll have to correct ASAP and make sure the home is up to code.Insurance wise as soon as they find out what you're doing they'll cancel you as the risk has changed from a single family owner occupied home to a multi family owner occupied home.