(Just don't tell your lender that you are going to do that) The umbrella policy is an extra layer.

You might find that they could charge enough extra rent to pay for themselves.

Do you have extra space on your property for other storage? 

But… we already had that requirement; houses with four or more bedrooms have needed an approval for extra bedrooms for a few years now.All that to say, I’ve been watching it closely and even I have no clear answers on what’s what.

You can build a team and people do, it takes time, mistakes, and extra money.

If you can buy all your kitchen appliances at once and ask for an extra discount or at least free delivery & installation, that's great too.

May be worth the extra cash on hand and leaving it in the deal. 

How certain of the appreciation are you would also play into that question.Run some scenarios on what you could do with the extra cash vs what you stand to gain from the appreciation play and decide based on that and your goals.

I'm just being extra careful (as I should) with the local team handling the transactions.

Sometimes they don’t like that because you don’t have skin in the game.As for advantages to the seller - are you going to pay them more for the property, that would be a perk that I offer in addition to making a little extra on interest for the duration of the loan.