My research has led me understand that I need a Vacant dwelling policy while it’s vacant and before any renovations start.

I read a few of the posts and would recommend talking with a lender in regards to the multi unit property since so far you have only watched videos on YouTube or podcasts.

You have to find the right strategy that fits your options...listen to everyone and verify what you hear because everyone will have their own opinion...Most of the west is more expensive than the Midwest and Mideast of the country...You might want to visit the areas and interview your potential team in person or trust what you are shown through videos of the areas or ... sometimes you can make a killing on an area that everyone thinks is unsafe and you find a that is very safe and cheaper than it should be, because it is near unsafe area or people think it is unsafe.

Check out the "Enemy Method "You can find videos.

This would ideally include a video doorbell with an app that can manage both and see the cameras/recordings for both systems. 

If you are looking to just add an opening between the units since you are utilizing it as one dwelling, then typically you could just add a fire rated door.

Maybe make equity sharing an option that offers a lower upfront fee.Reference: (You may have read it already but if you haven’t I would recommend checking out Dan Sullivan’s videos/media).

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

Additionally, since we are out of state (Washington) and unable to do walkthroughs of prospective properties, Chris has been great about taking videos for us, which has been very helpful. 

Continuously educate yourself through books, podcasts, and videos, such as BiggerPockets Podcast and YouTube channels.