On my duplex, I hold title in my LLC name and I could get an umbrella policy to cover myself personally.

Perhaps my wife and I could scratch together $75-$100k (with savings, 401k loans, etc.) though looking at $200-$250k for a 10% to cover down payment/points/closing.Even if I could borrow the money, would you recommend a primary residence purchase in 2018?   

I am an architect so I have extensive experience with older buildings, so I feel I should have things covered. 

I've read 12 months occupancy is enough to cover the occupancy requirement.

Finally, any advice on what I should include in the policy to make sure I'm fully covered in regards to manmade and natural disasters?

But worried we won’t be able to rent it and be able to cover the mortgage.

@Michael Lee Those are some topics that we've covered (or recorded) at least, but I'll keep capital in mind.

The voucher covers a big chunk of rent, and theIr is down payment assIstance.

I thought with rentals to military personnel, the housing allowance that covers the rent can be paid directly to the landlord. 

purchase price:  $243,000I got the seller to pay $5000 to cover part of my closing cost.