Trying to read between the lines it sounds like you have a regular owner occupied homeowners policy in place on a rental property. 

But don’t worry, you’ll work with your agent ahead of time to agree on what this is, so you won’t be surprised at the finish line.3.

They are too much of a gimmick and most tenants prefer to have the bottom-line expenses.

Than I thought it was all the things that could go wrong in the flip, hidden gems like K&T hidden in the walls, shot main-lines, etc.....   

Depending on your credit score in the US and credit trade line history, you could put as low as 25% down.

All but 1 of my POD members have left M1.The bottom line is I do not feel it is worth the price tag.

When you have a duplex and tenants on both sides stay for ten years, it almost guarantees that something isn't right.I would study your market and determine the value of your rental, because I bet you are losing money every month.

We rerouted  two waste lines that ran from the top floor to the basement se we could reclaim some space that had been unusable.  

Id generally like to buy and refinance 6 months to 1 year down the line and scale up bigger rentals. 

Quote from @Marc Shin: Hello - i have a 1br 1 ba STR and the refrigerator is not hooked up to the water line so the water dispenser does not work.