Perhaps in your neck of the woods, but my 6-plex was a Commercial Loan; when purchased and when sold so there's a disconnect with what you are reporting and at least two investors experiences. 

@Elad Messing your bottle neck is not finding an agent who is licensed in all 3 (I am), it's finding an insurance company who writes coverage in all 3 of those states at a competitive rate.I'll send you a PM

However, inspectors are humans, if you are a huge pain in the neck, rude, arrogant, habitual offender, etc.

With that being said my neck of the woods may be different than your area so I would try to go to your local REIA and or try to see if there is a facebook group you can find out what is customary amongst private lenders.

A serious injury on your property could leave you in a financial crisis even with an umbrella policy. 

It has a garage as well with off street parking which is huge in this neck of the woods. 

I also have over 100 fleas bites to add insult to injury!!

Nice to see someone from our neck of the woods. 

If one of us suffered some injury or debilitating illness that prevented working, we would have survived but been forced to live that life of sacrifice forever. 

It's possible to find 1.5-2% Rule properties in my neck of the woods.