A rent schedule is a supplement to an appraisal, and usually costs $100-$150 in addition to the standard appraisal fee.

The paid leads just helped supplement those slower days (very few of them thankfully).

No exceptions for lot line coverage as an example.

If your plan has multiple participants, each would have $250K coverage on their cash account within the plan.If you will be in cash for an extended period of time, you can check to see if your bank offers enhanced FDIC coverage through a service called IntraFi. 

I have seen several fail due to lawsuits and insufficent coverage. 

As another mentioned about finding a better rate with the previous owners company, gone are the days of just automatically renewing insurance and a good syndicator should be shopping around for the best coverage/premium atleast twice a year.

If I supplement that cash with some money from a HELOC, my buying power will be significantly better. 

I'm looking to get coverage for rental properties. 

Meaning, for it to function properly the Heloc needs to have a checking account with an auto sweep to the Heloc as well as the reverse, when the checking calls for funds it can reach out to the Heloc for coverage. 

It might be more expensive than usual because your property insurance has no personal liability coverage, but it's a good route if it's available to you.