With San Diego, we would plan to rent as I just don't see the value in owning a house as a primary residence, there are just too many expenses to justify the cost of home ownership, especially in San Diego. 

Quote from @Sankalp Godugu: Hi there!

Are you wanting the home covered at full replacement cost?

I confirmed with title and sure enough, everything was there!

2) Also, any time there is some change he wants pictures of the roof and the building to be sent to him before he changes anything.

I think that there are 3 reasons why Financial Planners aren't able to handle this:1.

.: My first investment property happens to be my first home purchase, so my questions are hopefully basic for anyone experienced here.

I just had a few offmarket multis in Waterville sent my way that are pretty nice.

Not really worth paying their points if they are just doing what you are already doing. 

Generally speaking there is a reason why Condo's are of larger size.