good luck and as I said please share if you actually find a land only lender that is not HML or PML>

If they are going to cover business activity, you can bet your bottom dollar that the insurer will review all of your practices and procedures in order to determine whether you are doing things safely and in a law-abiding manner (see above, first paragraph).So yes, get plenty of insurance, and a corporate entity between you and your adoring public may be most convenient (consult your lawyer as to whether and what type).

For a Section 8 duplex with 3 bedrooms, 2.5 bathrooms, and a family of 5 in each unit, it might be more cost-effective to go with a tankless water heater.

It consists of a realtor, contractor, property manager, and a lender.

Inspections and a fair contractor should assist you in assessing the property.

A lender who would finance a mortgage application with a US citizen and a Canadian Citizen on the application.

With a $100K already spent,  a public adjuster (that is a member of the regional association in your state and a member of the National Association of Public Adjusters) might make sense.

In an effort to further increase the energy efficiency of the property, I had 12 solar panels and a new roof installed.

But what are you offering other than a bed and a roof? 

However, the utilities are under their names and as a result of the leak both electric and water went up for the month.