The issue here is that with investment rates as they are, I'd have to put more down (25% vs 20%) and then I'd be left with a long road to rebuild or repay that downpayment before I could repeat. 

For most people, that’s foundation and structure issues.

Now, consider that same scenario in a duplex investment, where one tenant is still paying and even if you have issues with the 2nd tenant you may have a chance to weather that storm.  

The company should have made an inspection prior to issuing the policy . 

Does anyone know if feedback has been provided to the issues regarding outdated data? 

My issue I am running into is I recently switched into real estate full time so I do not have a w2.

Looking forward to legal advice for LLC opening. any referrals who have experience with international investors? 

I would start simply by issuing the tenant a written lease violation warning for denying access to evaluate any potential issue.

Can be VERY dangerous for seller - seller is legally responsible for a mortgage secured by a property they no longer own.  

Could get a policy with it as a second/vacation home, but expect I'd run into claims issues if BnB renters caused a problem.