I understand I can increase liability in each individual landlord policy, but one single umbrella policy is much more cost effective when I have multiple properties.

But, if steady long term cashflow is a goal, with no management, one can always sell farm land on a low down private contract.

But it doesn't seem to be riskier and more doomed to fail than BRRRR and other types of long term holding/land lording.  

As long as the wholesaler is direct with the seller and the deal is real, go for it.

Long-term fundamentals?

One long-shot option is to offer a lease at something like $1,300. 

Assuming you are both working and the rentals are long-term, rental losses up to $25,000 can offset W-2 income if your MAGI is under $150,000, with excess losses carried forward.This post does not create a CPA-Client relationship.

So as long as I paid no issues.. and most of those I sold on wraps. when i started buying homes via sub to I did over 100 of them..

We have a somewhat specific wishlist for lending requirements and terms that I will highlight below.

You haven't told us anything about what you plan to do after purchasing the property, so it's not clear how important interest rate is in the long run.