For me, this means looking for a market with a high probability of average annual long-term (30+year) appreciation rates in excess of 4%, generating a sustainable cash flow (cash such that I can either dividend income to myself, or at minimum such that I have no to low risk of needing to contribute additional cash to operate my business).

Owner agrees to pay Agent: 100% of the first full month of rent for acquiring each tenant; 10% of all collected rents and fees per month as a management fee $60/hr for any repairs or maintenance that are in excess of the four hours per month covered by the management fee.

Those are excessive. 

It may be you just need to operate the HVAC fan alone without heat/cool to circulate enough air to evaporate the normal excess.

Some of the records are duplicates, but Opendoor has SOLD in excess of 280 houses this year alone. 

No visible moisture around it. 

NickThe fact that it does not allow for billing options makes me think it could be an excess or surplus lines policy.

I also timed my refinance perfectly, so my expenses are about $2100/mo while rents in my area go for in excess of $3200/mo.

The 1st position lien holder is only entitled to the amount owed (plus past due fees interest and any advances made to protect their interest).Any excess funds would go to the 2nd 3rd 4th etc. lien holders, if all those claims were paid off and there was money left over then that would go to the former owner.

Some might use some non-destructive testing like moisture meters, but an inspector will not be able to tell you if the pointing on a brick facade will fail within a year unless it was already crumbling and falling out.