I don't know anything about their policyholder experience.However, every homeowners policy I've ever seen, even with a "home sharing" endorsement or rider, requires some owner use of the property. 

And this might indeed require some time to pass before doing that.You could still create a single member LLC with either you or your wife as member. 

Some of the new laws in the state house will require you to provide Air-Conditioning.

Success in real estate requires courage, perseverance, and the willingness to take calculated risks.Internalize these principles and apply them in your real estate endeavors, and you will be on your path to success.

That's wonderful.Your state requires 72 hours of Real Estate education. 

You prpobably don't care about Ohio, but their requirements might be instructive.You can only file January 1 through March 31.

They view each loan individually and have been lending to me even though I only work my W-2 on a limited part time basis.

Turnkey is just a promotional word and it, just like passive investing, require the same due diligence that any other investment requires.  

Any EPA issues or studies required for your financing?

The answer will form around what work you are doing that requires permits.