It made more sense for us to self-insure by maintaining adequate vacancy reserves.  

It's a very beautiful, natural setting with deer, turkeys, birds, and butterflies on the property.   

Is the structure of the floor adequate to support floor tile?

H1 tags, title and description tags are all still very important but need to be natural and not KEYWORD, KEYWORD, KEYWORD.

If there is a fire or natural disaster the insurance will kick in to cover the repair damages.

If it's in a city, ILC's (Improvement Location Certificates) are usually adequate.

Seriously though, as I now have kids an open floor plan from the kitchen into a living area is important as is natural light.

I hope that I am incorrect about this because that would mean a different scenario for you but I believe this is the case.On the other hand, you can always look in to personal lines of credit, heloc's or something of that nature to assist you in funding your initial deals.

Vetting lenders is just a natural step to find out which ones have an appetite for your property type, loan size, and for the borrower.  

They may be having a bad quarter or the regulatory environment is uncertain at call/option time and the committee will call your loan.I've paid off 2 with a 3rd ending a natural death in 2019.