We could have moved into an apartment for the short term, but we're cheap frugal so that didn't factor in.During much of this flip time, my husband was a high-income consultant for a government medical device.

LIABILITY COVERAGESCOVERAGE Premise Liability, LIMIT $500,000COVERAGE Medical Payments to Others - $ 5,000Payment Options:Annual Paid in Full $2,111.52Monthly $ 410.23 down payment with 10 monthly payments of $ 183.50========================================Are these numbers about what you would expect for a (2-unit) duplex?

Personal Property: $25,000- Broad Perils:- Theft to personal property: $5K- Loss of rents: $26,500- Personal Liability & Medical: $300K- Landlord Liability & Medical: $300K- This agent says I NEED to live in the house at least 1 out of the last 29 days in order for this policy to cover me in the event of a fire, etc.

So usually when they 1031 exchange that big pop of equity gain they had they need it to throw off high cash flow.Conversely I have clients who own businesses or are doctors etc. and they make 500k to over 1 million a year in income.

Verification that the owner is a patient under a doctor's care2. 

I am a full-time medical research analyst by trade who is excited to learn as much as possible about real estate investing.

LIABILITY COVERAGESCOVERAGE Premise Liability, LIMIT $500,000COVERAGE Medical Payments to Others - $ 5,000Payment Options:Annual Paid in Full $2,111.52Monthly $ 410.23 down payment with 10 monthly payments of $ 183.50========================================Are these numbers about what you would expect for a (2-unit) duplex?

No , never buy prepaid professional services; accounting, legal, or medical.

The homes could have just been refilled due to circumstances with the old tenants (i.e. financial hardship, divorce, medical issues, etc).

Medical bills, maybe.