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?

During winter things are slower.  

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.

Your insurance covers medical expencses, etc.

The ADA calls is "Sufficient Medical Documentation" In a nutshell you can ask for1.

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?

You're new and inexperienced and the timing restrictions will force you to by multiple properties at once when you'd be better of doing one new one at a time and growing your portfolio as your experience grows - slower yes but surer as well.My suggestion would be to look at a simple cash out refi. 

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