There's not really enough information to give a good answer, but I can suggest, reduce your coverage, increase your deductible, and have your tenants get their own renter's insurance.Maybe not "top" tips ...

This allows you to be mostly hands off and have the property serve as a true passive investment. 

working with our auditors right now on ACL (allowance for credit loss) and learning about SCALE, WARM and all the fun and new CECL terminology.. 

Regarding the Fix and Flip, my lenders who allow 5+ commercial flips require 5+ experience and the down payments are 25-30% min and do fund some, not all, of the reno.

I utilize Roku's guest mode, which allows guests to enter their own information and automatically logs them out upon departure.

My regular job provides good cash flow and allows me to save up about $5-10k/mo after maxing out 401k.

I got a good payment from work that allowed me to put 30% down on the studio.

The answers to those questions will help you determine how DIY you want to go, and how much you can leave up to chance.I can't post links here, but for more, please google:"Why you need an experienced ADU builder" - case examples where cities asked for tens of thousands of dollars of work, or flat out would not have allowed an ADU project, except for knowing when to push back"ADU sitework & utility costs: 10 hidden costs" - dozens of costs you need to account for on your ADU project that I promise you haven't thought of and no one else will tell you about"How to find ADU builders" - compares DIY route vs. other options, plus more on what to look for in a good contractor

Do I put a low deductible on my wind/hail and then use insurance to pay for a new roof once it fails? 

They will not allow me to wire funds directly from the line of credit.