We basically called everyone in the areas I was interested in investing in.

If they then tell you about extraordinary circumstances you can decide if you want to accept it or not.Paying bills and being responsible is a basic life skill and I don't have time to deal with people that can't function on their own and need me to babysit them.

Its a very basic policy but will give you coverage for fire, lightening, wind, and hail.

I assume in the absence of HOA, you are basically left working out a deal with your neighbors if a common area is in need of maintenance or repair (roof, common walls, deck, porch, fences, driveway, etc.).

We just do a basic prelim seaech to see what liens are present.

Is there a basic set of questions I should ask them?

Assuming they are month to month, you could start a new agreement the following month to cover the additional cost of the unit at say $100 extra lot rent.Funny, I basically recommended the same thing on your other post.

Basically, I would do a cash-out refi for more than I had invested in the property.

I worked as a real estate agent for brief time a couple of years ago so I have the basic understanding of how the real estate world works.

You won't learn a lot about investing, but you'll learn a lot of the basics that most newbies don't bother to learn, and never even knew existed, which can prevent problems down the road.