How do I go about finding those who'd rather just collect the insurance money then sell it off at a discount?  

Good points.I'd add square, level, plumb - license, insurance, bond - using permits to follow codepointing out problems the owner doesn't realize they have that are serious. 

It can rent for $3600/m Using 615k ARV and 75% LTV with taxes and insurance my payment is: $4267. 

These typically include services like renters insurance, HVAC filter delivery, pest control, and sometimes utility management.

For rentals in an LLC, most lenders look at the cash flow of the property (aka DSC Ratio: Debt Service  Coverage) and your credit score rather than your personal income.

They are DESPERATE to find insurance and are striking out everywhere!!

I took no money from the cash flow (when there was any) and I never made a late payment to the bank.This fall, nearly 12 years after the bank gave me that house, and over 15 years after I knocked on that door - after evictions, vacancies, insurance claims, and never taking a dime out of it - I sold that house and placed all of the proceeds in a 1031 exchange.

Plus I didn't include the Taxes and insurance for an ADU.IMO, it makes sense if you have the right sized property and a willing to think long-term.

Our entire network of agents, title companies, insurance, conventional lenders, private lenders, and many others come together to make this an enjoyable experience.

Payments $492 (interest, tax, insurance) currently owe $51K.