This would be the safest approach but also, anyone that is worried or has extra strict oversight in their area could simply avoid anything alcohol related in their packages.

an in reality they should have a builders risk policy as these were homes under construction.   

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

Several options you can explore to get the down payment capital: Solo401k; HELOC on personal residence or from equity of the SFR; Cash Value Life Insurance Policy; Business Credit; Private Lenders, to name a few.

bad tenants need to be strictly held to the lease or the will try to take advantage of landlord softness. 

What I mean is, some investors look strictly at cash on cash return, some look at cap rate, others just want to make sure their mortgage is covered.

I don't think you can purchase a policy for one tenant, but you can create a master policy for all your units.

Get some policies and procedures in place.

Also, can you say more about landlord vs renter’s policy on insurance ?

Hiring unlicensed and uninsured contractors is considered  an exclusion under most property insurance policies, meaning you could be giving up that benefit as well.