The "OR" sales code is less standard and can vary depending on the jurisdiction or the entity reporting the transaction.

For the latter, a great home owners policy with + a large umbrella insurance should mitigate it.

Likewise, a standard, 5% down conventional loan also doesn't require you to be a first time homebuyer.  

Purchase price: $1,720,000We are seeking recommandation on single family house, rental insurance company for Honolulu, HI.

Most likely no tax difference, unless the annual interest amount approaches your standard deduction of $12k ish.All being relatively equal, I'd take the path of fastest removal of her from title.   

E&O insurance and liability insurance for property management companies cost far more than most agents pay into their brokerages.

A standard Hard Money Loan would could fit here or a standard Conventional Renovation loan. 

Doubt the contractors you are personally hiring are properly licensed & insured.

It changes as you pay down the property from primarily interest payments to then primarily principal payments on a standard 30 year note

If I were in your shoes, I would do the following:- set 6 months worth of income aside in a HYSA to save it for a rainy day (this will help shield you if you lose your job, or if something goes horribly awry with your investment properties)- open a Bank on Yourself life insurance policy (this is a specific type of high dividend paying whole life insurance where you can borrow against the cash value in your policy at any time and the money will continue growing as if you never took out a loan.