Not sure who you're using but I have a mix of State farm & Foremost policies, State farm for me is about 30-40% less with very similar coverage (deductible is slightly higher & they don't cover flood damage).

Let me know if you want to see any other county that covered by Trend (berks, bucks, burlington, camden, chester, cumberland, delaware, gloucester, kent, mercer, montgomery, new castle, salem, schuykill)

North Arlington just doesn't really have a large swath that suffers from the same problem. 

Not even enough to cover closing costs.

I have a decent savings that covers 3 months of house expenses (I’m working on getting this to about 5 months cushion)Here is where I am uncertain:should I be focused on buying rental property now?

We will only cover one extermination and the tenant is responsible for any others needed.

I'm trying to cover all bases and get up to speed. thanls

Check out her prior rental history, even if it's from many years back, it may be significant.Retain a security deposit that will cover your needs should she default in paying her rent and/or cause damage to your property. 

I remember when I went down that road.The note, or actually 2 notes, as this was an 80/20 mortgage where one note provided 80% of the cost, and the other note covered what normally would be a down payment. 

Write out what all he covers and look into subbing any portions of those things out to other sub-contractors.