Any tips and tricks and knowledge will be much appreciated.

Based on the info in your post, my recommendation would be to turn these assets into well oiled machines and max out their NOI.

I think one important note that I omitted from my original post was some background info.

I'm sure some policies have all kinds of language in them, but if it guarantees me full replacement that is what I would expect otherwise my granite counters would be replaced with laminate and my tile and hardwood replaced with vinyl and the cheapest carpet.

If the tenants take legal action, a court could find that you didn’t fulfill your duty to mitigate damages, leaving you responsible for the full rent.

I mean very very hard to find and a full time job at that.

I'm curious why I did not receive it, as I paid in full, and it is already on my credit card!

And partner with people you trust & have done it here in Kyle before - by far the most important tip I can give.

Anything im missing/have any tips for.

In short, I can afford the additional $1100/mo cost of a second house, even until I rent it out.I have around $35K in HYSA and emergency funds that I could use for a down payment, but that's less than 20% which would be required for a conventional loan, assuming full purchase price.