Can anyone recommend a company that offers a builders risk policy to cover the construction period but then will also allow a cancellation and refund after work is finished to convert into a standard landlord policy.  

Using a HELOC for the down payment is feasible if you have a plan to repay it with bonus payments and tax savings.

Pulled out going with another company to many problems.

Hey Joel, WELCOME to BP!!

It is useful info IMHO but T12 is not always an indicator of the next 12 months.

Even then, you can expect they won't be able to maintain the home to the same level you did while living in it.

How did you add value to the deal?

I think it would be a disservice to all of the consumers who utilize BiggerPockets to learn and network with professionals and service providers to not have this new information given to them.Bob Prisco (aka Bob Stevens) actually utilized a 2nd BiggerPockets profile from 2018 to 2020. 

When it comes to your home, the right insurance policy can make all the difference.

As far as capital, most investment loans would require you to do 20-25% on a SFH.