But would love any additional feedback!

The Intel plant alone is projected to bring in additional 35,000 people and there is already a housing shortage. 

It's more about the employment of different strategies and being patient. 

Here are a few additional factors to consider:Investment Strategy: If your primary goal is cash flow and living for free while house hacking, Philadelphia might be the better option due to its affordability and potential for positive cash flow.

I believe in the state of SC I will also owe something like 5% or so at year end (in addition to feds?)

DSCR Rates are going to vary by quite a bit based on multiple factors (more than conventional), primarily FICO, LTV and DSCR - but also buydowns, prepayment penalties, and some alternative structures.That being said, I would say the average rate right now is around 7.5%, but can vary all the way down to 6% or higher than 9% for some special cases (like Multifamily 5+ or Mixed Use)Heres a couple articles on what goes into DSCR Rates (in addition to market) that hopefully helps!

The second guy only saw photos and quoted me for $2,500 but was actually unaware of the additional light switch move.

The seller had some additional terms such as cleaning up the site with old debris that I was okay with accepting because the property needs ALOT of work anyway.

It is no different than a loan company requiring insurance on your house or car.As @Dawn Brenengen said, require that they put you down as additional insured.

Thank you for the replies.What type of additional services can one expect?